vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Complaint Against American Express SCRA Benefits Denial I am filing this complaint because American Express has unlawfully denied me my Servicemembers Civil Relief Act ( SCRA ) benefits, which are guaranteed under federal law. 
After entering XXXX XXXX, I promptly contacted American Express to request that my SCRA benefits be applied to my account. These benefits were initially acknowledged and added ; however, without notice or explanation, American Express later removed them. I was never informed of this action. When I discovered the issue and contacted American Express, I was told that the balance covered by the SCRA benefit had already been paid off. This statement is demonstrably false. I have carried the same outstanding balance on the same card, and it has never been paid off. 
It is deeply troubling and unacceptable that American Express would attempt to deny an active-duty service member benefits that are explicitly protected by law. Under the SCRA, creditors are prohibited from charging interest rates above 6 % on eligible obligations. Despite this clear legal mandate, I am being charged interest rates exceeding 28 %, a direct violation of the law and a significant financial burden on my family while I serve my country. 
American Expresss actions represent not only a breach of federal law but also a failure to honor the sacrifices made by service members. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to compel American Express to reinstate my SCRA benefits, correct my account, refund any unlawful interest charged, and ensure full compliance with the law moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citibank responded to my initial CFPB complaint with a letter explaining that my accounts were being closed and that the closure process would take 3060 days. 

Afterward, on XX/XX/year>, I received another letter from Citibank by postal mail. This second letter stated that if I believed I would need my funds sooner, I could either go to a Citibank branch or call the customer service number listed on the back of my Citibank card. 

Following this written instruction, I went to a branch and requested to withdraw my funds or close the account immediately. However, the branch manager informed me that they could not release my money because my accounts were blocked by Citibank back office. They explained that although they themselves had no objection to closing the account, they were unable to do so because of the centralized block. In other words, Citibank sent me a letter promising access through the branch or customer service, but in reality the branch could not honor that letter. 

On XX/XX/year>, I sent an email to the Citi Executive Response Unit urgently requesting either access to my funds at a branch or expedited closure with an official check. As of today, more than 9 days later, I have not received any response, and my funds remain completely inaccessible. 

This situation has left my family in severe financial hardship. I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and the money Citibank is holding is needed to pay our rent and essential household expenses. Citibanks contradictory letters and refusal to release my funds are effectively holding my money hostage for 3060 days. 

Importantly, this is not an isolated case. Across the internet, there are many similar reports of Citibank freezing consumer funds and closing accounts without explanation. Citibank has gained a widespread negative reputation for retaining customer money, leaving families unable to access their own deposits. This pattern of behavior shows a broader problem that regulators must address. 

Citibank behavior is cruel and disgraceful. They are treating many people this way, even though we have done nothing illegal. I deeply regret ever trusting Citibank and even more regret recommending them to other clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
b'I am submitting this follow-up to my original dispute regarding the inaccurate and unauthorized information being reported on my credit file. Despite my prior request, these items remain unresolved and continue to negatively impact me. The accounts and inquiries listed below are either inaccurately attributed to me, reported without permissible purpose, or are unverifiable and therefore must be deleted in accordance with federal law. XXXX XXXX XXXX Balance: XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX  Original Creditor: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX Balance: XXXX XXXX Original Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for Dispute: Under the Fair Credit Reporting Act (FCRA), specifically 1681i, I have the right to dispute any information on my credit report that is inaccurate or unauthorized. The presence of these items without my consent constitutes a violation of my rights under the FCRA. I am protected under the following provisions of the Fair Credit Reporting Act: FCRA 611 (15 U.S.C. 1681i): Obligation to reinvestigate disputed information. FCRA 1681e(b): Duty to ensure maximum possible accuracy. FCRA 1681i(a)(5): Removal of unverifiable information.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
b'I am submitting this follow-up to my original dispute regarding the inaccurate and unauthorized information being reported on my credit file. Despite my prior request, these items remain unresolved and continue to negatively impact me. The accounts and inquiries listed below are either inaccurately attributed to me, reported without permissible purpose, or are unverifiable and therefore must be deleted in accordance with federal law. XXXX XXXX XXXX Balance: XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX XXXX Balance: XXXX XXXX XXXX  Balance: XXXX XXXX Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX  Original Creditor: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX Balance: XXXX XXXX Original Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for Dispute: Under the Fair Credit Reporting Act (FCRA), specifically 1681i, I have the right to dispute any information on my credit report that is inaccurate or unauthorized. The presence of these items without my consent constitutes a violation of my rights under the FCRA. I am protected under the following provisions of the Fair Credit Reporting Act: FCRA 611 (15 U.S.C. 1681i): Obligation to reinvestigate disputed information. FCRA 1681e(b): Duty to ensure maximum possible accuracy. FCRA 1681i(a)(5): Removal of unverifiable information.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried to use my citibank debit card to purchase a money order to pay my rent at the US post office and it was declined. I called citibank and was told there were 3 alerts on my account. I verified my social, debit card number, name, address, secret phrase, and telephone number with the rep. She cleared the first alert ( adding my card to XXXX mobile wallet ), then was told i had to speak to the fraud department to clear the other XXXX. When the fraud agent got on the phone I gave her my name, and was told she needed to verify my account by sending a text code. She put me on hold for XXXX minutes, then said my number wasn't the number on file, and asked if she could send it to a different number not on my account. When I told her I didn't have another number, she told me I had to wait XXXX business days to get a letter with a code and call back in. I asked if i could use my secret word, social, or anything else and was told there are no other options. Now my checking and savings accounts are blocked and not available online to view. I can't access any of my funds, and am unable to pay my bills. I'm filing a complaint because their fraud prevention is fraudulent. You can't send a security code for verification to a number not associated with the account! I've spoken to XXXX different reps and none of them will help. They tell me to wait for the letter and hang up. All my money is in this XXXX account. My rent is now XXXX weeks late, my utilities have been disconnected, and I haven't received any letter in the mail. My landlord is threatening to evict me because I can't access my money to pay my rent! I spoke to citibanks XXXX resolution unit and they told me i had to wait for the code. Once they get the code, they will unblock my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there some info on my credit report thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there some info on my credit report thats not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation