vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
I am writing to formally express my frustration and disappointment regarding the handling of my Citi XXXX XXXX credit card account. After my application was approved, I was asked to submit IRS XXXX XXXX for income verification. I submitted the form on time and made multiple follow-up calls to confirm that it had been received and was being processed. Each time, your representatives assured me that the form was accurate and complete, despite my noticing a minor error in XXXX section. 

Instead of allowing me to correct the mistake, it appears the form was processed as-is, and shortly afterward, my account was closed without explanation. I am left questioning whether my information was ever properly verified or if an internal erroror poor handling of my documentsled to the closure. This lack of communication and transparency feels unfair and has caused significant frustration. 

Additionally, I have read multiple discussions and posts on public forums indicating that similar experiences have occurred for other Citi XXXX cardholders. This suggests that this may be a recurring issue affecting many customers and points to a systemic problem with Citis account handling practices. Such a pattern, combined with abrupt account closures, raises serious concerns about misleading advertising and unfair business practices. Customers are led to believe that compliance with verification requests will secure account access, only to face unexpected closures even after full cooperation. 

As an XXXX XXXX, this situation also raises concerns about potential discrimination. The way my account was handled made me feel dismissed and treated differently, which is deeply troubling. 

The closure has also had tangible negative consequences, including a balance for the annual fee appearing on my credit report. This is unjust and harmful.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I had alone with prosper. The song was for approximately XXXX and it was written off in XXXX and then sold to XXXX XXXX XXXX 
This was not reported on the XXXX bureaus which I follow on a daily basis. 
To my shock I was summons with the lawsuit in XXXX this year from a law firm in XXXX. I filed a motion to to dismiss and also find the motion for arbitration. I also sent the law firm that represents XXXX XXXX XXXX a demand letter for chain of title and agreement. 
Next I found a motion for arbitration in which prosper offered under the agreement to both parties of the original contract. The judge agreed and set the hearing for XX/XX/XXXX. The case number for my lawsuit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had a construction loan with TD Bank in XX/XX/XXXX. Frequent delays due to hurricane, permit waits, and difficulty recieving draws from the bank has led to my home still not being complete. I requested an extension a few months before the XXXX  year deadline and was originally denied. They converted it to a regular loan in XXXX of XXXX and I made regular payments. I requested an extension again when I learned they had to due to natural disaster and I shouldn't have been denied. They converted it back to a new construction loan until XX/XX/XXXX. Since XX/XX/XXXX I have made full monthly mortgage payments and full interest on the conventional loan however, they are still holding approx {$100000.00} of the construction funds and refusing to disburse any money. While I understand progress must be done on the home and inspections must prove that. The problem is we can't get any funds to even purchase products and pay workers. I don't expect them to disburse it all in XXXX shot or even to the builder but I do think they should have to disburse funds to me when I show them receipts of supplies and products I have submitted that prove I am purchasing for the home to complete the house. I had to use my HELOC I have on another home to purchase kitchen cabinets for the home I am building on this loan. They will only disburse 50 % of the purchase price. I don't believe this is right considering how much money the bank is making in interest from me every month that I pay them for a mortgage loan of approx {$350.00}, XXXX that I only have have not received approx {$240000.00} of the loan amount. Additionally, now I have to pay interest on the HELOC I had to use just to try and move the construction process along. This is causing me so much additional money for a home I can't even live in. I have had multiple meetings on the phone to try and come up with a solution and have not received any help from TD Bank. The response I receive every time is " my hands are tied. '' I am retired military and this is financially ruining me. Any help is greatly appreciated. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
The collection agency PROCOLLECT , INC reported a collection account to the credit bureaus before contacting me or providing any written validation notice. This violates the FDCPA ( 1692g ) and CFPBs Regulation F ( 12 CFR 1006.30 ( a ) ), which prohibit furnishing information to a credit bureau before communicating with or notifying the consumer. I request that the CFPB investigate and that the debt be removed from my credit file until proper validation is provided. 

Date : XX/XX/year> Amount : {$2000.00}

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-11-03 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:
In early XXXX  my former XXXX XXXX  XXXX credit card ( ending XXXX, Ref # XXXX ) was charged off with a balance of {$580.00}. I later paid the full amount in good faith to settle the debt and close the account. Despite that, XXXX XXXX XXXXXXXX continues to report the account as a charge-off on my credit files with Experian, XXXX XXXX XXXX 

I have already contacted XXXX XXXX XXXXXXXX multiple times, including written requests and online support messages, asking them to update the tradeline to reflect paid/closed or remove the derogatory charge-off notation. Their response stated they only correct factual errors but did not re-investigate the reporting accuracy of the status code. 

This continuing charge-off notation misrepresents the accounts true status and is unfairly damaging my credit score and access to credit, even though the debt is fully satisfied.

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 2025-11-03 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 disputing the following accounts on my Equifax credit report. The information provided for these accounts is inaccurate and requires correction. Specifically, the following accounts are being disputed : Charged Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the agencies XXXX XXXX XXXX XXXX XXXX XXXX, for their continued publication and distribution of inaccurate, incomplete, and unverifiable information within my consumer data files. 

Upon careful review of my reports from these agencies, I identified multiple tradelines, inquiries, and data inconsistencies that fail to meet the legal and technical standards established under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) and CDIA Metro 2 compliance guidelines. These inaccuracies include unverified creditors ( such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ), erroneous account dates, incorrect balances, and inquiries that can not be lawfully justified. 

Each of these agencies has failed to provide verifiable documentation or certified audit trails proving that the information reported was obtained from legitimate furnishers in compliance with FCRA 623 ( a ) ( 1 ) ( A ) and the Equal Credit Opportunity Act ( ECOA ). This ongoing reporting not only misrepresents my financial profile but also constitutes a violation of my right to maximum possible accuracy under FCRA 607 ( b ). 

Furthermore, the continued inclusion of derogatory, outdated, or unverifiable data within their systems has caused measurable harm to my credit reputation and my ability to access fair lending opportunities. These agencies appear to have granted reporting privileges to data furnishers without proper Metro 2 validation, and without following the required dispute-handling procedures outlined in FCRA 611 ( a ).

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 2025-11-03 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. The information provided for these accounts is inaccurate and requires correction. Specifically, the following accounts are being disputed : Charged Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Date : XX/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 2025-11-03 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: KY

Complaint narrative:
I need to stress this is not a mistake. My credit report contains multiple entries that do not meet the standard of maximum possible accuracy. These persistent inaccuracies have continued despite my attempts to correct them and are causing real harm to my creditworthiness and daily life. This situation is creating undue hardship during an already difficult time, and I will not accept incorrect or unverified information remaining on my file.

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 2025-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-03 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX  XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be 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 non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX  XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief