vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I pay Citibank monthly on my credit card debt, but they refuse to provide receipts for payment, to tell me how much I owe, or any communication at all. They disabled access to the online account so we have no idea how much we owe, any records of past payment, or even evidence this debt exists. 

When we call their customer service line, they flatly state they will not send us any records of payments, receipts, how much we owe or any documentation at all.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX Issues : XXXX. On XXXX XX/XX/year>, I attempted to pay {$250.00} on my credit card, but PENFED refused to allow me to pay on my account, which I had just paid on XX/XX/year>. The credit union is making about {$200.00} on fees and interest as a tactic to refuse my payments. Request : I would like to be allowed to make my checking account payment. 

2. PENFED has charged me twice on my checking account and my credit card for the following XXXX transactions : XX/XX/year> ( XXXX ) REVERSE XXXX XXXX XXXX  XXXX XXXX XXXX - {$990.00} XX/XX/year> ( XXXX ) REVERSE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$970.00} XX/XX/year> ( XXXX ) REVERSE XXXX XXXX XXXX XXXX XXXX XXXX - {$930.00} XXXX : {$2900.00} XXXX request that the checking account charge be corrected and this amount be eliminated, as it was already paid with my credit card charge in XX/XX/year>. No fees and interest should be applied as I have paid on XX/XX/year> XXXX. I have submitted a financial hardship application to repay the debt since XX/XX/year>, and have not received a response. 
I request assistance from the PENFED CEO or a designated representative to approve and resolve my request. 

I attempted to go to the local branch in XXXX XXXX, NC, but was told the " fraud department '' had an alert. All my accounts have been closed, all my deposits have been returned, and now I am trying to pay my debt, but I have been getting excuses that PENFED won't accept my payments. 

Is a scam or another excuse to charge me fees and interest on my credit card. I might as well file for bankruptcy.

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 2025-06-02 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am filing this complaint as an authorized user on a Citibank account for which I am not financially responsible. Despite my request to be removed from the account and to stop the negative reporting, Citibank has stated that they are unable to update the credit reporting. As a result, this incorrect information continues to impact my credit profile. I have obtained loans during this period, and the inaccurate reporting has led to significantly higher interest rates than I would otherwise have qualified for. I am requesting the CFPB 's assistance to ensure that Citibank corrects this reporting and stops holding me responsible for the account.

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 2025-06-02 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Names and Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my Experian credit report. Upon reviewing my credit file, I noticed several incorrect variations of my name that should not be associated with my report. The only accurate and legal name I use is XXXX XXXX. Please remove all other names or aliases that are erroneously listed on my credit report. 



In addition, I have identified unauthorized hard inquiries on my credit report that I did not initiate or authorize. These inquiries are inaccurate and I request a thorough investigation into their source. If these inquiries can not be verified as authorized by me, I respectfully request that they be permanently removed from my credit file. 




Please conduct a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ), and provide written confirmation once these corrections have been made. 



I have enclosed a copy of my government-issued ID, FTC Report and SS card Thank you for your prompt attention to this matter. I look forward to your written response confirming that these inaccuracies have been resolved. 



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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request to Reinstate Deleted Student Loan Accounts To Whom It May Concern, I am writing to respectfully request the reinsertion of several student loan accounts that were mistakenly deleted from my TransUnion credit report. These accounts are accurate, valid, and should be reflected in my file as part of my positive credit history. 

The accounts are as follows : DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX ( appears multiple times with different balances and open dates ; each entry represents a separate loan and should be treated as an individual account ) These accounts were not disputed due to inaccuracy but were removed in error. I am requesting their reinstatement in full, including all separate entries associated with Account XXXX XXXX, as they reflect different disbursements under the same servicer. 

Please consider this letter my formal consent to reinsert these tradelines. If additional verification from the original lender is needed, I am willing to cooperate fully to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the outcome. 

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I contacted Affirm on XX/XX/year>, requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) regarding an account reported on my credit file. I also offered a pay-for-delete settlement. To date, Affirm has not responded to my written request, nor have they validated the debt as required by law. 

This account is negatively impacting my credit, and I am requesting that Affirm cease all collection activity and remove any reporting from all credit bureaus until proper validation is provided. 
This violates my consumer rights under FDCPA 809 ( b ). Please investigate and ensure Affirm follows proper protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C.

1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-02 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX 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 2025-06-02 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:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: OneMain Finance Corporation
State: MT

Complaint narrative:
I noticed unauthorized inquiries on my credit report. According to FCRA, legally, these unverified and unauthorised items must be removed immediately.

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
When I signed up for an account, I had a Direct Deposit promo offer " Open a new SoFi Checking and Savings account and earn up to a {$300.00} cash bonus when you set up direct deposit ''. With a payout table as described here. 


{$1000.00} - {$4900.00} - {$50.00} {$5000.00} or more- {$300.00} I had a payroll deposit on XXXX for over {$5000.00} and a second payroll deposit on XX/XX/XXXX for {$1000.00}. 


On XX/XX/XXXX, I received only a {$50.00} bonus. 


The terms say " Eligible Direct Deposit means a recurring deposit of regular income to an account holders SoFi Checking or Savings account, including payroll, pension, or government benefit payments ( e.g., Social Security ), made by the account holders employer, payroll or benefits provider or government agency ( Eligible Direct Deposit ) via the Automated Clearing House ( ACH ) Network. '' I contacted customer support several times. One noted that the first deposit for over {$5000.00} wasn't coded as a direct deposit. However, that's not in my control, and fully fits the definition defined in the terms. ( Payroll over ACH network ) I had multiple customer service agents say they would log a ticket to claim the remaining {$250.00} because they agreed that I met the terms as described. I received nothing. 


I gave up after the last agent I spoke with said they had no actual method to payout this bonus, only tickets to change the coding. I asked about an escalation path, and SoFi offered no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately XXXX XX/XX/XXXX, I got a letter from Bank Of America stating about a dispute way back in the year XXXX. I told them that they owed me more money and they keep giving me the same response that they dont. I have over 10 duplicate charges some are even triple charges theyre not soft charge hits they are duplicate and triplicate Charges. I have a whole card I never received and Ive complained about disputes. I keep being denied for a whole card that I never received also, the representatives do not have information starting. I believe XX/XX/XXXX or XXXX so they were not able to file a complaint. I dispute those days as well. I dont know the reason why Im denied even discretionary credit if they dont do that with prepaid cars, then thats new to my knowledge I would like to be treated fairly and pay back my money. I am a victim of fraud. These things some fraud happening between the year of XXXX and XXXX. I am baffled that I was contacted two years later stating they were resolving a dispute. I dont know who put in the dispute or what three years ago but disputes do not take that long so I inquired of the bank to send me a statement of everything because two weeks later, I was issued another check. I do not know why Im receiving checks. My other concern is my XXXX. I am unable to literally read or use emails, etc. get to the post office I have mental health and physical XXXX. I am not being accommodated and I am not being paid back at this point. I do not have a home address. I am homeless so I dont know how we can correspond. I complain to you guys back in early of XXXX Bank Of America said they owed me no money but since then they have issued two more checks I have no idea why Im receiving these money but I know my disputes are correct or we need to go over them again correctly with someone at the escalated department to look at all the duplicates I have sent pictures of some of the statements, not all, but if an accountant looked at what I looked at which is each transaction there are several duplicates and then theres some that I did not make, and the duplicates were charged on the bank side, which would make the bank being fraud. The bank was operating fraudulently it seems because unless the store double charged me its the store or the bank that treated me fraudulently.

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