vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the inconsistent and unacceptable handling of my Citi XXXX account review. After my approval, I complied fully with your documentation request. Despite being informed that the review process would take several weeks, the account was abruptly closed within days. 
This contradicts the information I was given and raises concerns about procedural transparency. I request an immediate investigation and a detailed response.

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 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: WI

Complaint narrative:
I contacted JG Wentworth about their debt relief program. The guy seemed very sincere and honest. They set me up with a firm called XXXX XXXX XXXX. Then I started to look into them a little more. Total scam. When I called and told them I wanted to cancel, they told me it would be XXXX days, and I would hear from someone. I haven't heard from anyone, and you can't reach anyone by phone. Beware of using JG Wentworth debt relief!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One bank is reporting two trade lines on my credit report that aren't mine and have no knowledge about. I submitted a complaint previously, but they couldn't find me in their accounts. If they don't know who I am or can't provide signed contracts between myself and a representative of the bank, or proof of an insurance claim, they shouldn't falsely report trade lines that impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 extremely frustrated because these inaccurate accounts continue to appear on my credit report even after all this time, and they still have not been removed. I am urgently asking that the documents I provided be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
It is very upsetting to see that these inaccurate accounts are still on my credit report, and nothing was done to remove them. I am desperately requesting that the documents I submitted be looked at with attention, so I can finally stop dealing with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive sent several disputes to XXXX XXXX and Trans Union stating that there are several errors on my credit report for these businesses. XXXX is XXXX XXXX. The other is XXXX XXXX. Neither one have responded back or the credit bureaus have given me any information about these disputes. Ive also sent in documents supporting my claim certified mail, which I will attach proof of everything sent to the credit bills and all of the errors on my credit report as well dates are contradicting, which doesnt match amount old is not the same on each Credit bureau they do not match last activity and last payment does not match and it is an accurate as well

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 2025-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my CFPB complaint without providing ANY of the documents they were federally required to send. 
They told me on a recorded call they had loan documents with my signature from XXXX, but those documents DO NOT appear anywhere on the chain of title, and I never signed a $ XXXX HELOC. 

I requested copies of all executed loan documents. 
They failed to send them. 
They told me they incinerated files in XXXX when I demanded them in person after making numerous requests by phone.. 
Now they claim to have documents from XXXX but refuse to mail or show me anything. 

This is exactly why I filed the complaint. 
This improper closure is fraudulent and a violation of CFPB resolution policy. 

I am requesting : Immediate reopening and review Forced production of ALL documents Wells Fargo claims exist Written explanation for the closing without resolution Investigation into forgery, fraud, and predatory lending Do NOT allow Wells Fargo to close this complaint until I personally confirm in writing that it is resolved. 

Federal law requires them to honor that request. 

My bank closed my CFPB complaint without sending documents. I need to reopen and escalate. This is a predatory-fraud case with missing loan documents. 

There should be a federal flag on XXXX XXXX file. 

Thank you. 

Sincerely, 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 2025-11-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a flyer in the mail offering a {$600.00} bonus for opening a checking account with a promo code of XXXX and making some direct deposits. 

I opened this account via the webpage https : XXXX, which automatically applies the required promo code. 

I opened my account on XX/XX/year> and met the direct deposit requirements. 
Account number : XXXX In XXXX I asked why the bonus had not been applied, and received this response on XX/XX/year> : The XXXX XXXX XXXX has reviewed the account and determined that the account does not qualify for the incentive because the correct promotion was not added at account opening and did not provide a promotion code active at time of account open. 

This is obviously false as I opened the account through their promotion webpage.

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 2025-11-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
My account was hacked and all my money was taken out of my account by a large amount of unauthorized transactions. I called and filled a claim, completed a police report, completed all paper work required. I called to check on claim was told there wasn't such a claim and that I had to file another claim. I completed it again. Received paper work called about the confusion I was told to send the. Both in.i did. Now I get a letter saying transactions were authorized snd they keep taking funds out of my account and is now overdrawn. I've been calling. I keep getting transferred and no one even picks up from Direct express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX last XXXX of XXXX XXXX date of birth XX/XX/XXXX. This cfpb complaint has been found to request pursuant to fcra subsection XXXX b ( XXXX United States code XXXX XXXX ) that Experian credit report agency shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint of fraudulent and inaccurate and false information consists of personal credit card account at XXXX XXXX on XXXX XXXX XXXX under account number XXXX for a balance of {$300.00}, and a XXXX wireless account number XXXX open on XXXX XXXX XXXX balance of {$1100.00}. These accounts as resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX credit report. I've attached a list of hard inquiries and question as well as a copy of my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts collections and hard inquiries as reported the aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you will not open or made or initiated by me all of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud I have a taxi copy of the FTC identity theft criminal complaint case number # XXXX as proof from the United States Federal trade commission that all the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-25 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This message is to express my serious concern regarding the mishandling of my Citi XXXX card application. I complied with every requirement, including submitting all requested documents promptly. I was explicitly told the review would take several weeks, yet my account was abruptly closed within days. 
This is unacceptable and suggests a lack of transparency and proper review. I demand a clear explanation and immediate corrective action.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Correction Inaccurate Credit File Information To whom it XXXX concern, I am disputing inaccurate information appearing on my Equifax credit report. 
1. Incorrect Address Matching My correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX  Please update my address since Equifax currently lists it as None Match. 
2. Incorrect XXXX Account Reporting Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, yet the reporting still shows an Open status. 
Please correct the account to reflect Closed on XX/XX/XXXX. 
3. XXXX Account XXXX XXXX Equifax XXXX XXXX closed accounts, but this XXXX account is clearly closed. 
Please update the closed account total accordingly. 
Please investigate and correct these inaccuracies within the time required by the Fair Credit Reporting Act. 
Thank you. 
Name : XXXX XXXX XXXX XXXX : XXXX XXXX Last XXXX : XXXX Address : XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a {$310.00} debt on behalf of the XXXX of XXXX, FL. The account is reporting as XXXX, with a date opened of XX/XX/year>, and a balance of {$310.00}. This debt is not valid. 

I moved out of XXXX XXXX XXXX, XXXX, FL in XX/XX/year>, after which I no longer occupied or had access to the property. In XX/XX/year>, I contacted the XXXX of XXXX solely to request a service disconnection and final meter read, which the XXXX completed at that time. 

After I vacated the residence and the final meter read was conducted, the landlord resumed responsibility for the property. The balance now in collection {$310.00} is based on utility usage from XX/XX/year> through XX/XX/year>, which occurred after my move-out date and after the final meter read was completed. 

Despite these facts : XXXX XXXX XXXX is reporting the account as open, The reported date opened ( XX/XX/year> ) is inaccurate, They are attempting to collect charges that occurred months after I moved out, and The billing clearly reflects usage during a period when I was not the responsible party. 

This is a clear billing error, and the debt has been incorrectly assigned to me. 

I disputed the balance with XXXX XXXX XXXX, but the collection and reporting are still ongoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
As part of our closing disclosures, we received a document informing us of what private information XXXX was legally allowed to share with others and what information we could opt out of them sharing. 
This document stated that we could call or email XXXX to opt-out of any/all sharing that we were allowed to. 
I contacted XXXX via their specified email on XX/XX/XXXX. 
They responded on the same day XX/XX/XXXX, asking for more information. 
I responded with that information on XX/XX/XXXX. 
They have not responded to me since. 
I have followed up on XX/XX/XXXX, XXXX, XXXX, and today. 
I called them today and got voicemail. 
At this point, I've received many unsolicited financial products- presumably because they failed to protect my information * even though * I initiated the process well within the XXXX limit specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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