vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year> 5 transfers from my Current Mobile banking account to another persons account. My phone was stolen. The transfer were {$500.00}, {$500.00}, {$470.00}, {$450.00}, {$40.00}. I provided Current a police report and internet crime fbi report along with XXXX XXXX fraud complaint report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This note is submitted as a reference to my second complaint # XXXX, regarding escrow shortage recalculation, total loan amount, principal and P & I and total monthly payment for the rest of XXXX and for the XXXX I request a different representative and prefer not to work with XXXX XXXX due to unresolved issues from prier communications. I request all communication has to be in writing in addition to the phone calls

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally request escalation and review of a serious issue involving my Citibank account. I was the victim of a fraud that resulted in unauthorized transactions and an overdrawn balance of {$1600.00}. Despite reporting this as fraud, I have been repeatedly transferred between various dispute teams without resolution.

Citibank is now attempting to send this account to collections, even though I was the victim of a criminal scam and have done everything in my power to report it promptly. I have explained my situation multiple times and provided all relevant details, yet the issue remains unresolved. I will be filing a complaint with the CFPB as well. Please note in my account XXXX XXXX I am requesting that Citibank : Halt all collection activity related to this account until the fraud

claim is fully and fairly investigated. Reopen or re-review my dispute with a senior fraud investigator. Provide written confirmation that my case has been escalated to the Executive Response Unit. For reference : Citibank checking account.

Amount in question : {$1600.00} Dates of disputed transactions : XX/XX/year> Please confirm receipt of this message and provide a direct point of contact who can assist me. I have also filed ( or am in the process of filing ) a complaint with the Consumer Financial Protection Bureau regarding this matter.

Thank you for your attention and prompt resolution for 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 2025-11-06 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
Provide direct support and mentorship to youth participants.

Facilitate group sessions and workshops.

Assist with case management and connect youth to community resources.

Maintain documentation and track participant progress.

Help coordinate events and program activities.

Manage behavior issues and provide crisis intervention when needed. 

XXXX hows the responsibility under the XXXX to validate us before purchasing them and they are not able to do so a ledger and a demand for payment is not an eviction notice nor a verdict from the court stating that the money is owed there is an addendum that was signed thats the company not only excepted the funds but received them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Dispute and Request for Deletion of Outdated Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian Information Solutions, Inc. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Dear Experian Information Solutions , Inc or To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am submitting this formal written dispute regarding inaccurate and outdated personal information currently appearing on my consumer credit file.

Upon review of my credit report, I have identified personal identifiers that are obsolete and no longer accurate. These items must be deleted or corrected immediately to ensure the accuracy and completeness of my file, as required by 15 U.S.C. 1681e ( b ).

The following information is inaccurate and should be removed : - Outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For clarity, my current and accurate identifying information is as follows : - Current address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am including copies of documentation sufficient to verify my identity and current address, including : 1. A copy of a valid government-issued photo identification ; and 2. A recent utility bill showing my current address.

Please conduct a reasonable reinvestigation of these personal identifiers as required by 15 U.S.C. 1681i ( a ) and remove all obsolete or incorrect items from my credit file. Upon completion, kindly provide me with written confirmation that these deletions have been made, along with an updated copy of my credit report reflecting the changes.

Failure to comply with this request within the statutory time frame ( 30 days from receipt ) will constitute a violation of the FCRA and may result in further action to protect my rights.

Thank you for your prompt attention to this matter. 

Respectfully, XXXX 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 2025-11-06 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: VA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On my all major 3 credit reports I see a closed capital one account which doesnt belong to me. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the debt associated with Santander.Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you stop all contact with me about this matter. As of this letter, you are to immediately stop all phone calls, letters, emails, and any other form of communication, including any attempts to collect the alleged debt. Please be aware that this is a formal request and I am exercising my rights under the FDCPA to stop any further harassment or unwanted communication. In accordance with the law, you are still permitted to contact me to inform me of the following : Whether or not you intend to take legal action against me ; or that you are no longer attempting to collect the debt. If you fail to comply with this request, I will consider further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or taking legal action. Please confirm in writing within 30 days of receipt of this letter that you will comply with my request and discontinue all communication regarding this matter. Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to le a complaint against Experian for reporting late payments on my credit report for two accounts : XXXX XXXX XXXX ( XXXX ) and XXXX  XXXX ( XXXX ). These reports are not only inaccurate but also violate my rights under the Fair Credit Reporting Act ( FCRA ), specically 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy when reporting information. To be clear, I was never late on these two accounts. Experian, however, is still reporting these payments as late, which has caused signicant damage to my credit. I rmly believe that Experian did not follow the required procedures to ensure the accuracy of this information, violating the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ) .Additionally, this violation also falls under 15 U.S.C. 1681s-2 ( b ), which holds data furnishers like XXXX XXXX XXXX and XXXX XXXX responsible for conducting a reasonable investigation and ensuring that the information reported is accurate. They have clearly failed to meet this requirement. And according to 15 U.S.C. 1666b ( a ) of the Fair Credit Billing Act ( FCBA ), creditors are prohibited from treating a payment as late if it was received on or before the due date and the designated cutoff time. In this case, my payments were received on time, yet both accounts are being incorrectly reported as late, which is a clear billing error. Experian has not veried this information properly, and it seems like they are not taking the necessary steps to correct the mistakes. To make matters worse, XXXX XXXX XXXXXXXX was recently subject to a CFPB Enforcement Action ( XX/XX/year> ) for fraudulent fees and deceptive practices. This is a known issue with reporting practices, and Im concerned that my experience with Experian may be part of this larger issue. Im reaching out to the CFPBs ofce because I need help getting these inaccuracies xed. I demand the immediate deletion of the late payments from both accounts, and I want Experian to conduct a full and reasonable reinvestigation, ensuring my credit le reects the maximum possible accuracy. If they dont take action, I will hold them accountable for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.I ask for a resolution within 30 calendar days from the receipt of this notice, and I request written conrmation that these errors have been corrected.

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 2025-11-06 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 have no responsibility for these accounts ; they must be deleted within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi closed my dispute for misrepresentation / services not as described even though the merchant never provided any written terms or agreement for the {$1900.00} charge. The merchant XXXX advertised their program as free and no credit card required, then after small initial payments on or around XX/XX/year> pressured me into a {$10000.00} payment that included undisclosed forfeiture terms if I didnt close a deal in 3 months. I never received any contract or terms. XXXX  already refunded {$2300.00} from this same merchant due to misrepresentation. Citi denied my dispute even though no contract or terms exist. I am requesting CFPB intervention to require Citi to re-open this dispute properly under Regulation Z for misrepresentation / services not as described.

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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company : American Express Product : Credit Card Delta XXXX and XXXXXXXX XXXXXXXX XXXX Date of Issue : XX/XX/year> Complaint Narrative : On or about XX/XX/year>, I was approved for a Delta XXXX American Express card, and on XX/XX/year>, I was approved for a XXXX XXXX American Express card. 
As part of these approvals, I complied with every verification and documentation request from American Express, including : Linking three active bank accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) for income and balance verification ; Providing full bank statements through Amexs secure portal ; Uploading a signed color copy of my Social Security card and government-issued ID ; and Completing live photo verification and consent for soft credit pulls.

Despite these extensive verifications all completed within the last two weeks I was suddenly subjected to an arbitrary financial review and account suspension. American Express has since demanded further financial documents that are not relevant or representative of my current financial situation.

To clarify, I did not file tax returns for XXXX due to an IRS extension and a temporary period of XXXX and medical leave. My XXXX  income is active, substantial, and fully verified through the linked accounts already provided to American Express during underwriting. 

This sudden post-approval financial review is unjustified, duplicative, and without merit, given that American Express already had full access to my verified financial information when approving these accounts. The sudden suspension of both cards less than two weeks after approval constitutes an arbitrary and unfair business practice and directly interferes with my ability to manage professional travel and lodging expenses as a licensed travel nurse.

I believe these actions violate the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ) and Regulation B ( 12 C.F.R. 1002 ), which prohibit arbitrary or discriminatory credit actions, and may also fall under unfair or deceptive practices under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ).

I am requesting that the CFPB require American Express to immediately reinstate my accounts, confirm that all prior verifications remain valid, and cease these unnecessary and invasive reviews that have no legitimate credit-risk basis.

Requested Resolution : Immediate reinstatement of my Delta XXXX and XXXX XXXX accounts ; written confirmation that all prior verifications are sufficient ; and assurance that no further financial review will be imposed absent legitimate cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am disputing the following accounts that have been reported to Experian. These accounts are incorrectly marked or can not be verified. Please investigate the following charged-off and late payment accounts : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Late Payment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 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:
This letter is to formally dispute the referenced accounts. I am not affiliated with them, nor did I authorize their setup. I request their immediate removal following a proper review. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts contain discrepancies, and I request that the accuracy of the reported information be verified. If any items can not be validated, I respectfully request their removal from my credit report. 

Inquiries : [ No inquiries listed for TU ] Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-06 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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