vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and I hold a Citibank account. On XX/XX/scrub>/2025, I received a legitimate {$3000.00} settlement deposit from XXXX XXXX XXXX ( Claim # XXXX ). 
Since then, Citibank has : Placed my account under review and restricted access to my funds. 
Kept me on hold for over 2 hours during multiple phone calls. 
Failed to respond to my email regarding proof of the deposit. 
Been unable to provide a valid reason for labeling my deposit as fraudulent, even though I offered to have XXXX XXXX verify the deposit directly.

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 2025-08-22 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: WV

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Identity was stolen around or about 2022 and numerous credit card accounts were opened with my personal information. Upon discovering this I contact all 3 bureau 's and immediately filed disputes for the fraudulent accounts.

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 2025-08-22 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: IL

Complaint narrative:
Identity was stolen around or about 2022 and numerous credit card accounts were opened with my personal information. Upon discovering this I contact all 3 bureau 's and immediately filed disputes for the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate my disputes by the furnishers XXXX XXXX, MoneyLion, XXXX, and XXXX XXXX . I have disputed these accounts multiple times with the credit bureaus, yet the furnishers continue to provide the same inaccurate data, which was marked as verified as accurate. Despite this, the reporting contains clear XXXX XXXX violations and does not comply with the Fair Credit Reporting Act ( FCRA ). Under FCRA 623, furnishers are required to provide complete and accurate information, but they are failing to uphold this duty. They all are also reporting different information amgonst the 3 credit bureaus so it is a lot of inaccuracies. 
For example, XXXX XXXX is reporting a Term Duration on a collection account, which XXXX XXXX strictly prohibits. It also provides payment history and balance history fields that should remain blank for collections, creating the appearance of an active loan. MoneyLion reports a Past Due Amount even though the account is charged off. XXXX XXXX requires past due amounts to be {$0.00} once charged off, and payment history should not continue after charge-off. Yet, the account is still updated monthly as if active. XXXX reports High Credit and Credit Limit on closed or charged-off accounts, even though XXXX XXXX requires these fields to be blank. It also reports ongoing payment history and balances inconsistent with the closure status. XXXX XXXX is reporting High Credit and Past Due Amount on a closed account, when those fields should show blank or {$0.00}. It also continues to report a payment history profile despite closure, which is not compliant with XXXX XXXX. 
Because these furnishers continue to supply inaccurate and misleading information every month, my creditworthiness is being harmed repeatedly. I have been denied both credit and housing due to this false reporting. These errors directly prevent me from accessing fair financial and housing opportunities.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has been charging me $ XXXX fee since XX/XX/year>. The checking account is free unless certain conditions are met, I stopped using it, and eventually the conditions for fee waiver were dissatisfied then. The problem I have is that they have been charging for over a year until they completely withdraw all my remaining balance -- without any notifications... I just realized that all my balance is gone as their last withdrawal caused overdraft fee ( they notified me of insufficient balance ). 

I called and tried to get some help... clearly, there is no other activities over a year, this is a checking account I don't use and assume no fees, as they had been prior to XX/XX/year>. They said they can't do anything about it, except the last withdrawal ( {$12.00} ). 

It is problematic and to me seem like stealing. They are a bank, and if they have to charge fees in the middle of service for some reasons, they should let me know as they start charging and monthly over a year, not until the end when they can't withdraw no more after a year. They keep saying that they informed me of fees when I opened the account...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS REPORTING ON MY CREDIT FILE ARE INACCURATE AND INCORRECT. ACROSS ALL THREE OF MY CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WITH A SIMILAR NAME. WHO SOMEHOW ACCESSED MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I HAVE UNDERLINED THE INACCURACIES REGARDING EACH ACCOUNT. ACCORDING TO THE FCRA, ALL INFORMATION REPORTING TO ALL THREE CREDIT BUREAUS MUST BE ACCURATE AND TRUE. EACH BUREAU IS REPORTING DIFFERENTLY FROM THE OTHER. IT IS INACCURATE. I WANT THE INACCURACIES DELETED. 

XXXX 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS REPORTING ON MY CREDIT FILE ARE INACCURATE AND INCORRECT. ACROSS ALL THREE OF MY CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WITH A SIMILAR NAME. WHO SOMEHOW ACCESSED MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I HAVE UNDERLINED THE INACCURACIES REGARDING EACH ACCOUNT. ACCORDING TO THE FCRA, ALL INFORMATION REPORTING TO ALL THREE CREDIT BUREAUS MUST BE ACCURATE AND TRUE. EACH BUREAU IS REPORTING DIFFERENTLY FROM THE OTHER. IT IS INACCURATE. I WANT THE INACCURACIES DELETED. 

XXXX 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding Cavalry Portfolio Services continued reporting of an account on my credit report. 
I disputed this account with the credit bureaus under FCRA 611, and I also submitted a Method of Verification request. In addition, I sent a 623 direct dispute directly to Cavalry. 
Cavalrys response was incomplete and failed to provide proper verification of the alleged debt. They only sent a partial verification ( a generic billing statement and/or a bill of sale ) that does not establish : Proof of ownership or assignment showing Cavalry has the legal right to collect or report this account. 
The original signed contract or agreement with my name and signature. 
A full account history to prove the accuracy of the balance and dates being reported. 
Despite being unable to provide proper verification, Cavalry continues to report this account to the credit bureaus. This is a direct violation of the FCRA because the information remains unverified and incomplete, yet it is still being furnished and damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year>25 XXXX  Date : XX/XX/scrub>/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
In XX/XX/year>, my checking and savings accounts were suspended due to suspected fraudulent activity. As a tax professional working with the IRS, I assisted my child and some friends with their tax returns in XXXX and XXXX. These individuals compensated me through their tax refunds and loans made to them, which are permissible as long as there are no more than three IRS deposits into any one account. The deposits in XXXX and XXXX were processed without issue. However, when I attempted a wire transfer in XXXX, my accounts were suspended, and the funds were returned to the IRS, who subsequently disbursed them to the individuals whose returns I had prepared. Consequently, these clients received duplicate payments, and I have incurred a financial loss of approximately {$13000.00} due to funds being withdrawn from my account by the bank. I have submitted all the requested documentation to the bank, but my accounts remain suspended, preventing me from accessing the remaining funds. So, I would like to ask for the repayment of all funds withdrawn, the transfer of the remaining balance in my checking account, and the closure of the account, since this situation has been extremely distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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