vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried logging into my account and Citibank has completely locked me out of it. Despite speaking to multiple representatives, and giving them various information identifying myself and security questions I set up, they are claiming that none of the information match and refusing me access to my account and funds. Someone else called in and they have given them access to my accounts and logging me out of it. There is not a physical branch location to even go in to close out my accounts and accessing my funds. They are refusing me my money and insist all my information are not verifying when they clearly have given my account information and access to someone else.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have banked with wells fargo since XXXX  and they have charged me for penalties when I had non. I get direct deposit every month from social security XXXX a month. So there should be no penalty fees.they said they took XXXX $ plus XXXX $ but they only gave me XXXX $ back. I will enclose the document that has their response in it. It doesn't even make sense there numbers are all wrong.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See all Attachments XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX  have failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit reports. Despite my submission of evidence demonstrating that certain accounts are inaccurate or unverifiable, these items remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic failures, including : Not forwarding consumer-provided evidence to furnishers Accepting unreliable responses from furnishers Failing to adequately notify consumers of dispute results These documented issues mirror my own experience. All three credit reporting agencies have neither corrected nor removed the disputed items, despite clear evidence, thereby causing ongoing damage to my creditworthiness.

This failure to act constitutes a direct violation of 15 U.S.C. 1681i and other provisions of the FCRA. I demand immediate corrective action to delete or amend the disputed accounts as inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX  has verified 11 charged-off Affirm accounts as accurate despite the account missing the legally required Date of First Delinquency ( DOFD ), reporting past due, late payments and updated dates as of XX/XX/year>. This incomplete reporting violates the Fair Credit Reporting Act ( FCRA ), Under FCRA 623 ( a ) ( 5 ), furnishers ( such as Affirm ) must provide the DOFD for charged-off accounts so the correct 7-year reporting period can be calculated. Without it, the account could remain on my credit report indefinitely, which is unlawful. XXXX  responded on XX/XX/year>XXXX  stating the accounts had been verified as accurate. However, the DOFD is still not present, which makes the reporting incomplete under FCRA 611 ( a ) ( 1 ) ( A ). A verification that does not include legally required fields is not a proper verification. Affirm is in violation of FCRA 623 ( a ) ( 5 ) for failing to report the DOFD. XXXX  is in violation of FCRA 611 ( a ) ( 5 ) for failing to delete unverifiable or incomplete information.This is my second complaint against XXXX Im asking that they cease and delete off my credit report reporting incomplete information in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have an account with milestone card with a limit of {$500.00}. I had received an offer for a new milestone card which clearly states with a higher limit. After I agreed to the terms I called up Concora credit to find out my limit, they stated it is a {$500.00} limit. The only reason I agreed to open a card with a {$9.00} monthly fee and a high interest rate was because it stated I would be getting a higher limit, not the same limit I already have. 

When I called Concora 20 minutes after opening the card they stated that there was nothing they can do, if I wanted I can close out the account. I am trying to improve my credit not hurt it by having a closed card on my credit. This is false advertisement, I have a screen shot saying milestone master card with higher limit. I just want what I was offered, I have never been late with them. I think it is wrong that they do not offer credit limit increases and they falsely advertise to receive a card with higher limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
I filed a formal complaint XXXX XXXX Regarding my situation with US Bank They were holding my funds for almost 3 months. It was almost {$200000.00}. They claimed to have resolved the situation. They said that they had close their account and sent the funds out. 
They claim that the original money order that I used to open the account was somehow fraudulent. They never explained how it was. Fraudulent. Today on XX/XX/year> I received a statement from US Bank. Stating that the account was closed and the funds were paid out. 
THEY WERE NEVER PAID OUT TO ME OR SENT back to the Person who sent me the cashiers check initially. 
They need to provide me with proof where the funds were sent because I never received it in the bank that originally sent the funds to me never received it back so they need to show where that money went

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
After reviewing my Early warning account. I noticed accounts that were not familiar to me. I sent a validation letter to Early warning, requesting the listed accounts and have yet to receive any information that justifies the reporting of the accounts on my Early warning report. Please End an Est of accounts below and the validation letter sent attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
A auto loan was fraudulently taken out in my name during covid in XXXX when everyone had to wear masks to cover their face and no one had to show what they looked like. I didnt even have a credit account during this time period as I just XXXX  high school. I didnt know anything of it until I started getting harassing phone calls about a debt that I owe that I had no clue about and this really affected me when I tried to get a car in XXXX and got denied because of charge offs and repossessions that was put on my credit due to this unknown loan that I didnt know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Westcreek Financial
State: MI

Complaint narrative:
I filed for bankruptcy under case number XXXX and was under an automatic stay protection. West Creek Financial DBA Koalafi was provided my bankruptcy case information multiple times, both verbally and in writing. Despite receiving notice, they continued to report my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as 30 days late, 60 days late, and 90 days late during the automatic stay period, rather than closing or properly updating the account status in compliance with bankruptcy reporting requirements. 

I contacted Koalafi on several occasions, spoke to multiple representatives, and provided my case number again to ensure they were aware of the filing. Even after these communications, they continued to report derogatory payment history before finally closing the account. My last form of contact was XXXX XXXX, 2025 and I gave another representative information and she claimed she would a have someone escalate the issue. 

Their inaccurate and repeated negative reporting has substantially harmed my credit score, hindering my ability to start fresh after bankruptcy as intended by federal law. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the protections of the automatic stay under the XXXX Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I have tried to speak to someone at Mohela but the phone tree is endless and it keeps telling me I am in good standing. The website will not let me make a payment and keeps having me log in despite already being logged in. It should not be this difficult to speak to someone and try to pay my loan off early.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: MS

Complaint narrative:
XXXX XXXX XXXX contacted my father 's ex-wife. I have no contact with the lady. The XXXX XXXX XXXX did state they asked her for my information but she was not able to give them my information. They continued to call her and send text messages about the amount of money that was owed and the company name. XXXX XXXX XXXX did not accept responsibility for giving out my information to someone who was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Experian has verified XXXX charged-off XXXX accounts as accurate despite the account missing the legally required Date of First Delinquency ( DOFD ), reporting past due, late payments and updated dates as of XX/XX/year>. This incomplete reporting violates the Fair Credit Reporting Act ( FCRA ), Under FCRA 623 ( a ) ( 5 ), furnishers ( such as XXXX  ) must provide the DOFD for charged-off accounts so the correct 7-year reporting period can be calculated. Without it, the account could remain on my credit report indefinitely, which is unlawful. Experian responded on XX/XX/year>XXXX  stating the accounts had been verified as accurate. However, the DOFD is still not present, which makes the reporting incomplete under FCRA 611 ( a ) ( 1 ) ( A ). A verification that does not include legally required fields is not a proper verification. XXXX is in violation of FCRA 623 ( a ) ( 5 ) for failing to report the DOFD. Experian is in violation of FCRA 611 ( a ) ( 5 ) for failing to delete unverifiable or incomplete information.This is my second complaint against Experian Im asking that they cease and delete off my credit report reporting incomplete information in violation of the FCRA.

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 2025-08-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a Chime debit card and credit card. I called them asking to confirm fraud since I don't bank with these people.

After asking about it, they asked for my phone and email. They are launching an investigation, but if I wanted to learn more, I had to send a ton of PII over email. SSN, address, driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
For dates XX/XX/XXXX, XXXX, and XXXX, LVNV Funding sent an agent to my property to deliver documentation regarding personal information. I have hired a house sitter to maintain property while I was away, who reports that the same person has came by 3 days in a row requesting me while I was unavailable. On the XXXX day of attempt, XX/XX/XXXX, the agent sent by LVNV Funding seemed frustrated of myself not being present, and verbally disclosed confidential information regarding my debt to my house sitter, along with my landlord of whom was speaking with my hired house sitter at the time of interaction. My house sitter specifically stated he can not take any information or documents for me. The agent then threatened my hired house sitter to take the documents or face repercussions from law enforcement. The documentation was then handed over by the LVNV Funding agent to my house sitter, who is not listed on any credit accounts as a co-signer, spouse, or anyone else with legal obligation to obtain personal information or documents on my behalf. The documentation contained confidential information that fully disclosed my debt, creditors, amounts, account numbers, etc. - of which no form of my approval has been authorized to do so.

Company response to consumer: Closed with non-monetary relief