vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is against Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX I am a Citibank customer. I have had issues with the this bank freezing my checking account. Here is the current situation. 

My car was declared a total loss by XXXX XXXX. The insurance adjuster sent me a {$730.00} check made out to me and XXXX XXXX. ( It was a XXXX check ) I did not read this check and signed it and deposited it via the ATM. XXXX also sent a {$2400.00} check. 

The XXXX insurance adjuster never contacted me regarding the {$730.00} check ( XXXX XXXX ). As a result, XXXX placed a stop payment on the check. The stop payment caused my Citibank account to freeze my checking account. This is NOT a fraud issue, just a mistake by the XXXX adjuster and me for depositing it and not reading it before depositing it. 

The {$2400.00} check has been paid and cleared. I am NOT asking for the {$730.00}. I have been asking for Citibank to unfreeze my bank account. I spoke to XXXX and they said this is a bank issue. XXXX placed a stop payment on the {$730.00} which is fine. 

I spoke with Citibank prior to traveling to XXXX. They said the issue would be resolved in a week. It has been XXXX weeks. My mother went to Citibank on my behalf and called me in XXXX. The bank worker XXXX XXXX ecognized my voice and said the issue would be resolved. ( Then she went on vacation ) My mom has since returned to Citibank twice and spoke with the branch XXXX XXXX XXXX. He advised that I email him. This issue would be expedited to the fraud department. I was informed this would only take 24-48 hours to resolve. 

Today, I received an email from XXXX XXXX XXXX that my account would not be unfrozen. Citibank would close out my account. I would have to wait up to 2 months to get my money... This situation is ridiculous. I am a single woman who needs money to pay my bills. My auto payment is frozen too. 

I am in XXXX until XX/XX/XXXX. I need money for travel. This information was elaborated to XXXX XXXX. I need your assistance ASAP with unfreezing my bank account ( s ). I do not want to have to seek legal counsel. 

Also, is there a method to see why my account kept getting frozen? I have a small business and need access to my bank. 

Thank you for your assistance! 
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 monetary relief
Consumer complaint received 2025-05-24 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:
The reporting creditor is furnishing derogatory information to the consumer reporting agencies in violation of numerous federal laws. This account has been inaccurately reported in a manner that causes harm and defames my character, reputation, and financial credibility. 
Specifically, the creditor and the credit bureaus are in direct violation of : - Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - 15 U.S. Code 1681i ( a ) - 15 U.S. Code 1681e ( b ) - Title 18 U.S. Code 1001 - Title 18 U.S. Code 894 - Uniform Commercial Code 3-501 ( b ) ( 2 ) - 15 U.S. Code 1681b I have never been provided a signed, verifiable credit agreement bearing my wet-ink signature, nor any lawful proof of an obligation to pay. The reporting entity has not complied with lawful requests for validation. This results in continued unauthorized reporting that causes me harm and is being done without permissible purpose.

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 2025-05-24 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:
The reporting creditor is furnishing derogatory information to the consumer reporting agencies in violation of numerous federal laws. This account has been inaccurately reported in a manner that causes harm and defames my character, reputation, and financial credibility. 
Specifically, the creditor and the credit bureaus are in direct violation of : - Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - 15 U.S. Code 1681i ( a ) - 15 U.S. Code 1681e ( b ) - Title 18 U.S. Code 1001 - Title 18 U.S. Code 894 - Uniform Commercial Code 3-501 ( b ) ( 2 ) - 15 U.S. Code 1681b I have never been provided a signed, verifiable credit agreement bearing my wet-ink signature, nor any lawful proof of an obligation to pay. The reporting entity has not complied with lawful requests for validation. This results in continued unauthorized reporting that causes me harm and is being done without permissible purpose.

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 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This fraud card company keeps charging me late fees and interest on XXXX OWED TRANSACTIONS. I paid off the ONLY purchase ( from XX/XX/2024 ) I ever made FULLY on XXXXincluding late fees and interest. My balance was left as XXXX, and I have made XXXX transactions on the card since. 

Then suddenly, I start getting harassed and inundated with calls I thought were fraudulent, from Comenity bank representatives even asking for my LAWYER. This is harassment for their OWN fraud against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-24 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Requested debt validation and received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have repeatedly asked PRA for the signed purchase agreement, forward flow and chain of ownership and all PRA does is send XXXX documents with different balances on it. This is why I am asking to show the purchase, not the letter from XXXX bank. PRA opened this collection in XX/XX/year>, last payment was XX/XX/XXXX. The credit bureau reporting does not reflect this properly. I also believe the debt has been securitized by XXXX Bank. 

PRA says " We take compliance with all applicable Federal, State and local laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. We found no records supporting the allegations of misconduct, including, without limitation, that PRA is in violation of and laws. PRA furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation XXXX, state and local law, and industry guidelines. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. The customers instruction, permission or consent are not required for PRA to furnish information rightfully and lawfully regarding the account to the consumer reporting agencies in connection with the collection of a debt. Additionally, PRA safeguards and does not share account information for improper purposes and does not need to provide opt-out notices to its customers. For more information about how we use and share our customers personal information '' Yet XXXX tells me they only report what is given to them, and they are not required to verify the validity of the information. 

Someone is XXXX 

PRA reported this as {$1800.00}, then changed to {$1700.00} indicating a payment had been made. NO Payment has been made. The have produced statements prior to their purchase showing balances of {$1100.00} and {$1300.00}. The claim they aren't receiving my letters but I am sending to the verified address in XXXX, VA and the tracking is showing delivered, At this point, I feel PRA and all XXXX XXXX XXXX need admonished and this needs to come off my XXXX 's, ALL XXXX of them. 

I keep filing complaints and they all keep dancing around. As a XXXX Veteran, this is causing emotional distress and creating issues with some of my XXXX. 

PRA has hired a law firm, and I have informed them all my income and assets are exempted yet they want to keep wasting their time and mine. 

Simply remove the information from my XXXXXXXX XXXX or provide the documents I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint: This CFPB complaint \nbeen filed to request pursuant to FCRA  XXXX (XXXX XXXX XXXX) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO\ncredit report. I do not recognize the aforementioned accounts, collections as\nreported. The aforementioned accounts, collections appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)\nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections are the result of identity theft and fraud.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-24 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, Complaint # XXXX, Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Statute of Limitations. ( CT ), wrongfully last open date, wrongfully last activity. I had tried to dispute with the bureaus and still not fixing this problem, I kindly ask them to please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like the following charge off accounts removed. These accounts are misreporting on my credit report. 
Please apply these laws to my accounts : SECTION XXXX XXXX XXXX XXXX ( XXXX ) Compliance Procedures XXXX XXXX XXXX Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : XXXX XXXX ( ACT # XXXX ) I see that this account has a charge off status and yet there is a past due balance on this report, do you know that is a violation?

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 2025-05-24 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: GA

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX XXXX XXXX XXXX. The account was charged off, but Experian, Transunion and Equifax continues to report it as past due as of XX/XX/XXXX, which is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX-2 and XXXXi ), once an account is charged off, it should not continue to report new delinquency or past due status. I have submitted a dispute directly to Experian, Transunion and Equifax but they have failed to correct the reporting. 

This ongoing inaccurate reporting is negatively impacting my credit profile

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