vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint against Citibank regarding my personal bank account, which has been unexpectedly placed under investigation without any notice or explanation. I was not informed in writing, by phone, or by email prior to this action.

I contacted Citi customer service multiple times to understand the situation XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. Each time, I was only told that my account is under investigation with no further details, and the representative hung up the call. No case number, point of contact, or estimated resolution time was provided. This lack of transparency has caused significant stress and inconvenience.

The only recent activity on the account was a legitimate balance transfer from my XXXX XXXX  account, followed by transfers to my other personal bank accounts. All transactions were authorized and can be verified.

At this time, I have no access to my funds and no clear communication from Citibank. I believe this handling is unreasonable and possibly unlawful, as consumers have the right to be informed about actions taken against their financial accounts.

I am requesting : Immediate clarification of the reason for the account investigation Access to my funds or a lawful explanation for any holds A timeline for resolution and a dedicated point of contact Please assist in ensuring that Citibank complies with fair consumer practices and provides the transparency I am entitled to.

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 non-monetary relief
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
I am writing to formally dispute a negative items that are being reported on my credit report ; where I have been reaching out every month to all ( 3 ) Major Credit Bureaus XXXX Equifax, Experian and TransUnion ) starting with this account, XXXX XXXX XXXX XXXX XXXX with [ Account Number : * XXXX ] for {$140.00} and XXXX XXXX with [ Account Number : * XXXX } for {$1500.00} appears on my credit report with [ Experian, Equifax, and/or TransUnion ] XXXX and I believe it is inaccurate and should be removed immediately. 

I have attempted several times to resolve this matter directly with the furnisher of the information, but have not received a satisfactory response. The item ( XXXX ) in question is either factually incorrect, not verifiable, or is being reported in violation of the Fair Credit Reporting Act ( FCRA ). This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/year> Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX To Whom It May Concern : I am writing in response to a [ call/letter/email ] received on [ XX/XX/year> ] regarding an alleged debt that you claim I owe. Please be advised that I am requesting the validation and verification of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original agreement or contract that proves I agreed to this debt ; 4. A complete payment history, starting with the original creditor ; 5. Documentation that shows you are legally authorized to collect this debt in my state ; 6. The name and address of the original creditor, if different from the current one.

Please note that until you provide the requested validation, you must cease all collection activities, including reporting this debt to credit reporting agencies as per 1692g ( b ) of the FDCPA.

If you can not provide this documentation, you must delete this alleged debt from your records and cease all communication with me.

This is not a refusal to pay, but a request for validation pursuant to federal law. I request that all future correspondence regarding this matter be in writing. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: VA

Complaint narrative:
In XXXX, I filed for XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX  ( Case No. XXXX ). A private student loanoriginally co-signed by a former teacherwas excluded from discharge after she filed an adversary proceeding ( No. XXXX ) XXXX and a judgment was entered in XX/XX/XXXX. 

Since then, I have made monthly payments totaling over {$14000.00}. Recently, I experienced significant financial hardship due to unemployment and medically documented health conditions. I communicated this hardship to the creditor and requested temporary payment flexibility. 

Despite this, the creditor has issued repeated threats via email, including : Legal action for minor discrepancies ( such as a {$0.00} underpayment in XXXX ) Accusations of default for payments made just a few days late Threats to pursue additional attorneys fees and interest accrual Stated intent to sue and send paperwork to outdated addresses Ignored my explanation of being unemployed, under medical care, and having no non-exempt assets The tone and frequency of these emails have caused emotional distress and worsened my medical condition. Other creditors have offered grace during this period, but this individual has escalated collection tactics despite consistent, good-faith payments over nine years.

I believe these actions may constitute unfair or abusive behavior under the CFPBs jurisdiction, especially considering this is a private student loan originally incurred while I was in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
This is becoming a recurring theme. My personal information was exposed in several data breaches. I have been unable to get the CRA 's to remove the fraudulent accounts opened as a result. Ive submitted police reports and theft affidavits. 

The law states as follows CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The block must be no later than XXXX business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The Bureaus have violated 15 usc 1681b Consent to report 15 usc 1681c-1 Without consent its identity theft 15 usc 1681c-2 Block items reported as identity theft 15 USC 1681eb for maximum accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
This is becoming a recurring theme. My personal information was exposed in several data breaches. I have been unable to get the CRA 's to remove the fraudulent accounts opened as a result. Ive submitted police reports and theft affidavits. 

The law states as follows CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The block must be no later than XXXX business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The Bureaus have violated 15 usc 1681b Consent to report 15 usc 1681c-1 Without consent its identity theft 15 usc 1681c-2 Block items reported as identity theft 15 USC 1681eb for maximum accuracy

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/XXXX The PayPal Business Account was Blocked And All Funds in The Account Blocked all Remaining Funds Withheld by PayPal without Prior Notice all Funds Blocked in The Account Unable to Refund The Deposit Received from My Customer I have had this account Since XXXX open and active During Point of Sales Transaction Manual and Mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
b'Personal Information (Experian)\nPrevious Address(es): XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXXEmployers: XXXX XXXXEmployers: XXXX XXXX XXXX XXXX XXXX XXXX XXXXDespite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct.\n\nUnder the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you cannot confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.'

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
THE THREE MAJOR CREDIT REPORTING AGENCIES ARE REPORTING INACCURATE INFORMATION REGARDING MY CREDIT REPORT. THE INFORMATION REPORTED ARE NOT CONSISTENT ACROSS ALL THREE BUREAUS WHICH IS DEEMED INACCURATE REPORTING, WHICH IS A CLEAR VIOLATION OF MY RIGHTS & THE US CODE LAWS IN PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. 
These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. 
Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. 
Accounts to be Investigated and Blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent.

Immediate reinvestigation and deletion if accounts can not be verified as valid.

A full report of the outcome of your investigation within 30 days as required by law. 


Please find enclosed a copy of my government-issued ID, proof of address, and a signed identity theft affidavit as further documentation to support this request. 
Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary. 
Thank you for your prompt attention

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 2025-06-01 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: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. 
These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. 
Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. 
Accounts to be Investigated and Blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent.

Immediate reinvestigation and deletion if accounts can not be verified as valid.

A full report of the outcome of your investigation within 30 days as required by law. 


Please find enclosed a copy of my government-issued ID, proof of address, and a signed identity theft affidavit as further documentation to support this request. 
Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary. 
Thank you for your prompt attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> Dear XXXX LVNV Funding LLC XXXX This letter is being sent to you in response to a recent change that was made on my credit report. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit bureaus ( Equifax, Experian, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am writing to request an immediate update to my credit file in all 3 major credit agencies regarding my account I attached my final payment letter thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer {$200.00} from my Coinbase account to my XXXX cold storage wallet. The transaction was denied. I then verified my identity using my passport photo ID as requested. 

After verifying, I called Coinbase support. I was told the issue would be escalated. I was later able to transfer {$1000.00} using another crypto asset. Following that, I tried to transfer larger amounts to close out my accountbut those transactions were denied again. 

Since then, I have called Coinbase support 14 different times. Each time, Im assigned a new reference number. Every representative says the issue has been escalated but no one can give me any answers. Ive been told repeatedly that the transfers are being rejected, without explanation. 

Ive verified my identity multiple times and followed every step asked of me, but I continue to be blocked from accessing and transferring my own funds. The lack of transparency, accountability, and support is unacceptable. 

A couple of the Case ID 's for reference are : XXXX and XXXX Im asking for a full investigation and resolution so I can transfer my funds without further obstruction and close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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