vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
While at dinner one evening with a group of colleagues ( I was hosting ) the Citibank card was declined. We have NEVER been late, we have never gone over the limitwe also paid it off most months and ALWAYS made the minimum payment ON TIME. We have, since they closed the account, paid it to XXXX, days later. We then checked our credit and they have smeared my credit WITHOUT CAUSE. We did try to pay from an account that we were closing because we are movingfrankly, we forgot that account had a pending paymentagain, it was NOT the minimum payment and not our primary account, it was merely to deplete the account we were going to close. Instead of calling us when that happened, they tried to run the payment several times. Then closed the credit card account. We then tried to get another card from XXXX but that was turned down because of what Citibank put on our credit report. We have high credit scores, we have a healthy income and we dont pay bills late! We did co-sign for our daughters car and she paid her car late ONE TIME ONLY- we paid it up when we learned this. I beleive we were discriminated against or merely treated unfairly. Extremely unfairly after spending literally hours on the phone with supervisors who dont even share the same status, story, or outcome. Each of their messages have been conflicting. Additionally, they stated that XXXX closed a previous account ( only because we quit using it- NOT for late or non payment. When I inquired as to the reason for this decline ( which now one supervisor said tonight that it had not yet been declined ) NOT one person can tell me why or provide a good reason. We were also told well over two weeks ago that we should have a notice in the mail - still nothing. We have definitely been discriminated against affecting our credit and ability to even get approved for another card. I am more than frustrated at such incompetence!

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app allowed XXXX to take XXXX out my main bank account while my card is locked and it happened on XX/XX/year> at XXXX I emailed them and told them about it and they still have not put my money back. This is not the first time they access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank
State: NV

Complaint narrative:
I am filing this complaint because there is a credit inquiry on my XXXX report that I did not authorize. The inquiry is listed as : Company Name : XXXX XXXX Date of Inquiry : XX/XX/year> Location : XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXX I request that the CFPB investigate this matter and ensure that TransUnion removes this unauthorized inquiry from my credit report. 

Furthermore, I am disputing an unauthorized credit inquiry that company, XXXX XXXX, placed on my XXXX  credit report on XX/XX/year>. 

I have never applied for credit, services, or any account with this company, nor did I give consent for a credit pull. This inquiry appears to be unauthorized and possibly related to identity theft. 

I am requesting that they immediately investigate this matter, remove the inquiry from my credit report, and confirm that no account was opened or attempted using my personal information. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally request that Experian XXXX and remove all information on my consumer credit report resulting from identity theft and fraud, as required under FCRA XXXX ( XXXX U.S.C. XXXX ). This action must be completed within XXXX ( XXXX ) business days of receipt. 

The following accounts are fraudulent and need to be removed from my credit report. Credit card with XXXX XXXX XXXX on XX/XX/XXXX balance {$950.00}, XXXX  XXXX XXXX on XX/XX/XXXX balance {$450.00}, XXXX BANK XXXX XXXX on XX/XX/XXXX balance {$790.00}. Auto Loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX balance {$0.00}. Utility with XXXX XXXX XXXX on XX/XX/XXXX balance {$400.00}. Collection with XXXX XXXX SERV XXXX on XX/XX/XXXX balance {$160.00}, XXXX XXXX SERV XXXX on XX/XX/XXXX balance {$54.00}, FAIR XXXX XXXX XXXX  XXXX on XX/XX/XXXX balance {$0.00}, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX balance {$240.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX balance {$1500.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX balance {$630.00}. Fraudulent inquiries : XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXX NA Inquired on XX/XX/XXXX, Incorrect name : XXXX XXXX, XXXX XXXX, XXXX XXXX. Incorrect addresses : XXXX COUNTRY XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 


The fraudulent, unauthorized accounts and inquiries were opened without my consent and continue to appear on my report. Attached are copies of the FTC Identity Theft Criminal Complaints ( # XXXX, # XXXX, # XXXX ) confirming that all the aforementioned accounts and inquiries are the result of identity theft and fraudulent activity. 

XXXX continued reporting of these false items is a violation of federal law. I am requesting immediate blocking and removal, along with written confirmation that my credit report has 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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I was discharged from XXXX XXXX bankruptcy. I contacted Capital One Auto Finance to confirm if anything was owed on my XXXX XXXX XXXX. I was told that if I paid {$850.00} monthly for six months, the balance would be cleared. I also made a good faith payment of {$570.00} on XX/XX/XXXX. I continued making monthly payments of {$850.00} on XX/XX/XXXX ( Agent ID : XXXX ), XX/XX/XXXX ( Agent ID : XXXX ), XX/XX/XXXX ( Agent ID : XXXX ), XX/XX/XXXX ( Agent ID : XXXX ), and XX/XX/XXXX ( Agent ID : XXXX ). 

The total amount paid on the vehicle to date is {$34000.00}. On XX/XX/XXXX, I attempted to make my final payment but the office was closed due to a holiday. I called first thing XX/XX/XXXX, but the representative refused to accept the payment, stating it was late because it was after the XXXX of the month. Payments made after the XXXX had previously been accepted without issue. I requested to speak to a manager and was repeatedly denied.

After multiple calls, I finally spoke with a manager on XX/XX/XXXX, who connected me to the Office of the President. I was told someone would call me back on XX/XX/XXXX, but no one did. When I called back, I was told there was nothing they could do and was asked to pay an additional {$20000.00} on a 15-year-old vehicle that has already been paid off. I requested payment history and call notes. I was told I would need a subpoena for the call notes, and that payment history would need to be mailed through a request. 

When I questioned the payoff amount, the representative disconnected the call. At this point, I believe Capital One Auto Finance engaged in unfair, deceptive, and predatory practices by refusing my final payment after previously accepting late payments, misleading me about payoff terms, and withholding account records. 

All I want is for the company to honor the agreement, accept my final payment or release my title, or refund the payments Ive made since XXXX and retrieve the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
I was transferring money to my bank account then out of nowhere it was closed not even a notification. Everything was fine. They closed it on XX/XX/year>. I didn't authorize to close it. 
I had a pending withdrawal on kraken and they closed the account. It's been XXXX days without a 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Previously I complained to the CFPB and XXXXXXXX XXXX  responded with two separate letters from their executives saying their input of charge off was not going to be removed from off my credit report as I requested of them twice since XXXX of 2025. President Trump via FCRA 15 US Code 1681 G requires Disclosure to consumers for items placed on my credit report which I did NOT ever once receive despite my complaint placed on my credit report. ( A notice to me directly obtaining my consent was never obtained by XXXXXXXX XXXX once and notice will be sent to the President if no action is taken forward ) therefore this is negligence and willful act by this business/Bank damaged my report and prevented me from being able to obtain a car loan see attached from XXXX XXXX XXXX XXXX DENIAL . This according to the FCRA requires for me the consumer to be compensated {$290000.00} because of their willful and intentional neglect to damage my credit with other lenders due to the actual and statutory damage due to the willful disregard of the FCRA and consumer 's rights under the law!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Previously I complained to the CFPB and XXXX XXXX  responded with two separate letters from their executives saying their input of charge off was not going to be removed from off my credit report as I requested of them twice since XXXX of 2025. President Trump via FCRA 15 US Code 1681 G requires Disclosure to consumers for items placed on my credit report which I did NOT ever once receive despite my complaint placed on my credit report. ( A notice to me directly obtaining my consent was never obtained by XXXXXXXX XXXX once and notice will be sent to the President if no action is taken forward ) therefore this is negligence and willful act by this business/Bank damaged my report and prevented me from being able to obtain a car loan see attached from XXXX XXXX XXXX XXXX DENIAL . This according to the FCRA requires for me the consumer to be compensated {$290000.00} because of their willful and intentional neglect to damage my credit with other lenders due to the actual and statutory damage due to the willful disregard of the FCRA and consumer 's rights under the law!!!

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-10-24 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: WI

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. 
Attn : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute & Method of Verification Demand Account # [ Insert Account Number ] To Whom It May Concern : This correspondence serves as a formal dispute and demand for validation of the alleged account referenced above, reported by your company, XXXX XXXX XXXX XXXX XXXX, on my consumer credit profile. I am disputing the accuracy, legality, and validity of this alleged debt under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

You are hereby instructed to immediately cease all collection activities and provide full documentation validating that : XXXX. You are the legal owner or assignee of this alleged debt and have full rights to collect. 
XXXX. The account has been validated with a complete chain of assignment, from the original creditor to your company, including dates, signatures, and transaction details. 
XXXX. A legally binding contract bearing my clients original signature exists that establishes any obligation to pay you or your company. 
XXXX. You have accurately and lawfully reported all data to the credit bureaus, and such data reflects a verifiable, complete, and current record.

5. You have not re-aged, altered, or misrepresented any information for the purpose of extending reporting periods or inflating the balance in violation of the FCRA 623 ( a ) ( 1 ) ( A ).

Until you can provide the above documentation, any continued reporting of this account constitutes willful noncompliance and defamation of character under federal law. You are required to delete or update this entry as unverified with all credit reporting agencies if you can not provide full validation within 30 days of receipt of this notice.

Be advised that your failure to comply will result in formal complaints filed with the CFPB, FTC, and the Attorney Generals Office for each violation of federal law. My client also reserves the right to pursue civil action for damages pursuant to 15 U.S.C. 1681n and 1681o for each negligent or willful act of noncompliance.

Please mail your full response and documentation to the address listed above. Electronic or verbal responses are not acceptable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. 
Attn : XXXX Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute & Method of Verification Demand Account # [ Insert Account Number ] To Whom It May Concern : This correspondence serves as a formal dispute and demand for validation of the alleged account referenced above, reported by your company, XXXX XXXX XXXX XXXX XXXX, on my consumer credit profile. I am disputing the accuracy, legality, and validity of this alleged debt under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

You are hereby instructed to immediately cease all collection activities and provide full documentation validating that : XXXX. You are the legal owner or assignee of this alleged debt and have full rights to collect. 
XXXX. The account has been validated with a complete chain of assignment, from the original creditor to your company, including dates, signatures, and transaction details. 
XXXX. A legally binding contract bearing my clients original signature exists that establishes any obligation to pay you or your company. 
XXXX. You have accurately and lawfully reported all data to the credit bureaus, and such data reflects a verifiable, complete, and current record. 
XXXX. You have not re-aged, altered, or misrepresented any information for the purpose of extending reporting periods or inflating the balance in violation of the FCRA 623 ( a ) ( 1 ) ( A ).

Until you can provide the above documentation, any continued reporting of this account constitutes willful noncompliance and defamation of character under federal law. You are required to delete or update this entry as unverified with all credit reporting agencies if you can not provide full validation within 30 days of receipt of this notice.

Be advised that your failure to comply will result in formal complaints filed with the CFPB, FTC, and the Attorney Generals Office for each violation of federal law. My client also reserves the right to pursue civil action for damages pursuant to 15 U.S.C. 1681n and 1681o for each negligent or willful act of noncompliance.

Please mail your full response and documentation to the address listed above. Electronic or verbal responses are not acceptable. 

Sincerely, 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 2025-10-24 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} WC / XXXX * * * Balance Owed : {$1400.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$550.00} XXXX CRED ( Original Creditor XXXX CXXXX XXXX ) XXXX * * * Balance Owed : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} WC / XXXX * * * Balance Owed : {$1400.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$550.00} XXXX CRED ( Original Creditor XXXX CXXXX XXXX ) XXXX * * * Balance Owed : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXXXXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief