vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In early XXXX 2025, I disputed several accounts with a nationwide credit reporting agency because the report contained false late payments and incorrect charge-off entries that did not match my actual payment history. These inaccuracies were causing significant harm to my credit standing. 

On XX/XX/year>2025, I submitted formal disputes and requested a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), including the required procedural description and documentation supporting the reported information. 

On XXXX XXXX, 2025, the agency marked all accounts as verified, yet provided zero documentation showing how the information was verified. No payment history, charge-off records, billing statements, or furnisher evidence was provideddespite my explicit request. The agency also failed to supply the procedural description required by 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The reinvestigation conducted by the agency was not reasonable as required under federal law. Based on the absence of documentation and the speed at which the items were marked verified, it appears the agency relied solely on automated e-OSCAR responses, which courts have repeatedly ruled do not constitute a legally compliant reinvestigation ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX & XXXX ) XXXX This constitutes a sham investigation, and it violates the FCRAs accuracy standards under 1681e ( b ) and reinvestigation standards under 1681i ( a ). 

Despite clear evidence of reporting errors and contradictory information ( such as charge-offs listed alongside open balances and active past-due amounts ), the agency continues to report false negative information. Because the agency failed to verify the information with actual documentation, the disputed entries should have been deleted under 1681i ( a ) ( 5 ) ( A ). Instead, the agency left inaccurate and harmful information on my credit file without justification. 

The failure to conduct a lawful reinvestigation, combined with the failure to provide the required procedural description, indicates willful or negligent noncompliance with the FCRA under 1681n and 1681o. These violations have caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting CFPB assistance to compel the credit reporting agency to : Conduct an actual, reasonable investigation in compliance with the FCRA ; Provide the statutory procedural description and verification documentation ; and Remove all information that can not be substantiated with legitimate evidence. 

I have attempted to resolve this directly, but the credit reporting agency has refused to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My CC was closed by Citibank and they would not tell me why. I had never been late paying, I always paid when due the full amount. I had 2 CC with Citi and they closed both of them for no reason. They took away my points from the XXXX XXXX I had accumulated and said I just lost them when they closed the acct. On the Citicard XXXX I had 25,418 points to redeem. They sent me 2 checks for {$120.00} that equalled the 25,418. Then they put a stop payment on one of the {$120.00}, so I only received {$120.00} total. This all happened between XXXX-2025 and XXXX-2025. I have called numerous times to find out why the accounts were closed in the 1st place and was told nothing except they have the right to do that. I hope you get to see my record to see I had a perfect record of paying on time and always paying the full balance. I talked to so many reps from XXXX that promised I would hear back from someone concerning this but no one ever returned my calls. They were also very rude and condescending. Because I couldn't get anywhere with the Citibank reps on the phone I decided to go into the bank where I live with my papers. This was about a month ago, approximately XXXX 2025, I met with a banker who let me call Citibank 's Customer Service from his desk phone. Once again the call went to XXXX and I was told nothing could be done about this and time had expired for this problem and he could not give any other information. I had been working on this problem since I received a letter from Citibank with NO DATE on it. The banker heard everything the rude rep was saying and couldn't believe what he was hearing. He was shocked how this rep was talking to a customer, how he was addressing my concerns and what he was saying. 

Thank you and I hope the Consumer Financial Protection Bureau can help with this unfair procedure that Citibank has perpetrated for almost a year now.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was one of the personnel affected by the transunion data breach that occurred on XX/XX/year>2025, that also affected over 4.4 million americans. my account has false reporting and false credit reporting with different companies. my account has alot of fraud activity.

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 2025-11-23 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>2025 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Bull City Financial Solutions, Inc
State: TN

Complaint narrative:
XXXX, 2025, and XXXX XXXX, 2025 disputed the account both times come back verified and was denied. The last time I sent information from the company that shows the account information tied to an address that is not mine. I also provided copies of my XXXX, and XXXX reports that show no collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NV

Complaint narrative:
I was led to take a loan for my XXXX in XXXX, only to be informed that the career is now classified as non-professional.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
The debt appeared on my credit report 5 years later after my dentist procedure. Ive sent a certified letter to their location online requesting information but the mail was returned with no answers. They send links that look like scam links that I dont click on. When I called they told me I cant get any information because the debt isnt in my name or phone number. 
The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I checked online it shows I have a charged off account. I called customers service and asked may I pay the charged off amount. I was told ; it was sent to collection. So, I asked for the collection company information so I can contact them to pay it, they did not want to reveal that information to me. I was like, okay so what should I do. They told me, to wait to be contacted by the collector. I waited for 2 months and never received a mail from the collector. So, I called again, I was told it shows my account as paid off. I told them that's weird because I was told it's charged off- the representative says well you don't have a balance with us. 
Now I attempt to use Affirm company, I am being told I have a charge off, they do not want to do business with me. I called Affirm representative, I was advised to contact the credit bureaus, to handle this situation, there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
THE PROBLEM I HAD WAS WITH A CITIBANK WAYFAIR CREDIT CARD. IN XXXX OF XXXX I RECIEVED AN EMAIL THAT A PAYMENT WAS DUE. I HADNT USED THE CARD SINCE XXXX BUT I MUST HAVE PREVIOUSLY SIGNED UP FOR PAYMENT REMINDERS AT THAT TIME. I WOULD HAVE NEVER REALIZED I HAD A FRAUDULENT PURCHASE DONE WITH MY CARD UNLESS I HAD THIS. I PROCEEDED TO CHECK THE WAYFAIR APP AND STILL COULD NOT SEE ANY PURCHASES MADE, I CHECKED THE ELECTRONIC STATEMENT ONLINE AND I NOTICED THE CHARGE. IT WAS TOTALLY FRAUDULENT. I CALLED AND REPORTED THIS TO A CUSTOMER SERVICE REP. I WAS INSTRUCTED TO NOT PAY THE BILL AND THAT THERE WOULD BE AN INVESTIGATION STARTED THAT I WOULD RECIEVE A LETTER IN THE MAIL FOR. A FEW WEEKS GO BY AND NOW IM STILL GETTING MESSEGES THAT THE BILL IS DUE AND NO FRAUD LETTER OR ANYTHING RECIEVED ON THE MATTER. I CALLED AGAIN TO CHECK AND WAS TOLD THAT IT TAKES ABOUT 30 DAYS OR SO TO GET THIS DONE SO I WAITED. I KEPT GETTING PAYMENT REMINDERS AND THEN LATE PAYMENT REMINDERS. I WAITED AND THEN I NOTICED THEY ACTUALLY REPORTED THIS TO THE CREDIT REPORTING AGENCYS AS A LATE PAYMENT. MY XXXX XXXX WENT DOWN AND IT AFFECTED MY OTHER CREDIT CARDS LIMITS BECAUSE OF THE SCORE DECREASE. I DID NOT AND HAVE NOT MADE ANY LATE PAYMENTS ON MY ACCOUNTS AND THIS SHOULD NOT HAPPEN TO PEOPLE. I CALLED BACK AND SPOKE TO ANOTHER CUSTOMER SERVICE REP WHO TOLD ME THAT A FRAUD REPORT HAD NEVER BEEN MADE AND SHE WAS SO SORRY. STILL I HAVENT RECIEVED ANY PAPER WORK ON THE MATTER AND AT THIS TIME MY CREDIT WAS BEING DAMAGED BY THE SCORE CHANGE AND THE LACK OF COMPETENCE AND INTEGRITY OF THE FIRST INITIAL COMPLAIN I MADE. THEY FINALLY WERE ABLE TO RECTIFY IT AND THEN I HAD TO WAIT FOR PAPERWORK BUT ALSO I WAS INFORMED THAT THEY NEVER TRIED TO FIX THIS WITH THE CREDIT BUREAU AND THEY SAID THIS WAS WHAT THE CREDIT CARD COMPANY HAD TOLD THEM SO IT WAS A VALID REASON FOR THEM CHANGING MY SCORE. THIS IS UNFAIR AND I NEED HELP.

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 2025-11-23 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: NJ

Complaint narrative:
I recently looked at my credit report and saw fraudulent reports and I would like for you to delete all of them.

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 2025-11-23 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:
THIRD REQUEST FOR PROOF OF ACCURACY AND AUTHORIZATION I, XXXX XXXX, declare with utmost seriousness that the details contained within this statement, as well as those outlined in the accompanying affidavit, represent the truth to the best of my understanding and knowledge. I have found myself to be an official victim of identity theft, and I unequivocally state that I have neither given permission for, nor opened, nor benefited in any manner from the fraudulent accounts that are presently registered under my name. These deceitful accounts have been created without my knowledge or consent, further complicating my financial and personal credit record. 

In accordance with federal legislation, such as the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), which mandates the protection of consumer credit information, and the Identity Theft and Assumption Deterrence Act, I am compelled to request the removal and expunging of these unauthorized accounts from my credit reports. These laws are designed to provide protection and recourse for victims such as myself. This unauthorized distribution of my information has directly contributed to the creation of these fraudulent accounts, which are detailed as follows : I. XXXX. Account XXXX. XXXX. Balance : {$7800.00}. XXXX XXXX Date : XX/XX/XXXX 2021 II. XXXX XXXX XXXX Bank. Account XXXX. XXXX. Balance : {$11000.00}. Fraud Open Date : XX/XX/XXXX 2020

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 2025-11-23 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:
Equifax reported that my disputed inaccurate information as verified. This is incorrect. XXXX deleted the same account on XX/XX/25 because it could not be verified. This proves the information is unverifiable. 
Before Equifax issued its reinvestigation results, I filed a police report, FTC Identity Theft Report, as a result of receiving a communication from XXXX confirming my personal information including my SSN and DOB where compromised in a data breach. 
Furthermore XX/XX/XXXXalready removed the account in question on XXXX/XXXX/25 making the verification by any other CRA invalid for this reason Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when a consumer provides new evidence after reinvestigation showing the information is inaccurate or can not be verified, the CRA must promptly delete the item. No further reinvestigation is permitted. 

Equifax must delete this account and notify the other CRAs as required by 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I request immediate deletion and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
I am filing a complaint against XXXX ( formerly known as Empower Finance ). Between my transactions, Tilt/Empower withdrew {$4300.00} from my bank account while only providing {$4000.00} in advances. This means I paid {$240.00} more than I borrowed, which represents an illegal fee structure disguised as tips, support fees, and repayment padding. 

Tilt/Empower repeatedly pulled repayment amounts larger than the advance ( e.g., {$100.00} {$100.00}, {$75.00} {$79.00} ), which functions as an illegal interest charge. This violates NY usury laws and federal consumer protection laws.

Tilt/Empower also charged multiple {$8.00} subscription fees and failed to clearly disclose how or when these subscriptions began. I never knowingly enrolled in Tilts membership service, yet recurring charges continued.

Additional issues include : Same-day multiple debits Debit timing that caused or risked overdrafts Mislabeled or vague merchant descriptors Debits occurring earlier than the disclosed repayment date Forced repayment cycles before income deposits No clear cancellation pathway All of these violate the Electronic Fund Transfer Act ( Regulation XXXX ) and the Restore Online Shoppers ' Confidence Act ( XXXX ). 

I am requesting a full refund of : The {$240.00} overcharge amount All subscription fees Any deceptive or unauthorized charges Any regulatory damages you deem appropriate I have detailed transaction records available for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I deposited a large sum of money into my Wells Fargo checking account and then waited till the funds said they were available online. Once the fund said they were available, I started to use them. After paying large sums of money on debt, my checking account said I had insufficient funds. I looke back at my online banking and it said that I still had approximately {$35000.00} in my account. I contacted the Wells Fargo customer service and I was told that a hold was put on my account till XXXX XXXX, 2025. While speaking with the representative, she agreed with me that it showed that the funds were avaiable online but there was a hold. At no point did anyone contact me in anyway to advise me of this. I would understand a hold on the money if it didnt come from another federally recognized bank, XXXX  federal credit union XXXX I spoke with two different representative that both said that a hold was placed and agreed with me about no contact. As of today which is XX/XX/2025 it says I still have {$35000.00} available. Let it be known that I am overdrafted {$13000.00} and can't use my account at all. I get banks need to verify checks but to show that funds are available and then to hold the money is absolutely outrageous. Now I will most likely get fees from what I currently have spent and from all the bills that won't be paid from this situation.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I credit cards went into collections and we settled. Im hoping I can get my Chase Unlimited Freedom Card back per the diversity, opportunity, and inclusion Chase program. I have a mental health court ruling from XX/XX/XXXX that shunned me from returning to and finishing law school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> I sent a {$15000.00} wire to XXXX. The transfer was blocked due to the XXXX shutdown. Chase later responded saying they cant help and that only XXXX can, but they ignored that they allowed the transfer despite knowing about the disruption. Chase resigned from assisting further, leaving the funds locked and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, Square suddenly deactivated my business account without any prior notice. I discovered the issue during business hours when my Square device stopped working, which immediately disrupted my small business operations.

This deactivation also made the hardware I purchased from Square a {$690.00} device completely unusable. Since Square terminated my payment services, the device can no longer function, resulting in a direct financial loss.

After discovering the shutdown, I contacted Square and requested : The specific activity Square believes violated the Terms of Service Any evidence supporting their decision The reason I received no warning or notice Information about any appeal or review process Square refused to provide any of this information. They only sent a generic message stating that my account violated the Terms of Service but did not identify which section, what activity, or why the account was terminated. 

Squares lack of transparency has caused both financial and operational harm. I can not determine what happened, can not correct anything, and can not prevent similar issues in the future.

Because Square removed my ability to use the {$690.00} device that I purchased specifically for payment processing, I am requesting a full refund for the device, along with fair compensation for the time lost, stress, and inconvenience caused by Squares sudden and unexplained actions. 

I never received any warning, notice, or explanation before the deactivation. The impact on my business has been significant, and I am seeking a clear and detailed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was one of the personnel affected by the transunion data breach that occurred on XX/XX/year>2025, that also affected over 4.4 million americans. my account has false reporting and false credit reporting with different companies. my account has alot of fraud activity.

Company response to consumer: Closed with non-monetary relief