vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to be heard and my situation notated by management, at minimum. 

I applied for the Citi XXXX XXXX XXXX  in XXXX seeing that they had a great offer. I was able to finish the required spending to get a sign up bonus in XXXX ish. I got the 100,000 points ( equivalent at least for {$1000.00} ) plus the points accrued from my spendings around in my account at the end of XXXX. 
Then I was out of the country for almost 4 weeks during XXXX. 
I brought the card with me during my trip and transactions couldnt go thru. When I get back in the XXXX, my account was closed and my 100,000 plus points were wiped out, annual fee credited back as a credit in my statement, which is in a closed account that can not be spent. 
I called twice to talk to different reps and they all said nothing they could do to get my points back since the bank closed my account and point are forfeited. They didnt really provide a reason so that I could have a chance to clarify. I have years of relationship with different banks and have never been closed an account by a bank, let alone without notice and clarification. 
I tried to escalate it but one of the rep told me to just reapply for the card and hung up on me mid call, then the other rep told me no one can help me at this point and not willing to transfer me to higher ups. Horrible, horrible customer service. 
At that point, I just did some research and now found out about the mass closing and reopening of new Citi XXXX XXXX XXXX, which was happening during the month I was away. 
I went thru my mails and never received any form from Citi.

Citi has issued announcement promising to grant all the people who are troubled by this problem their sign up bonus without having to meet the spending requirements and reopen their account.

However, in my case, I have finished the spending and the bonus was deposited to my account. I felt robbed from a bank and injustice. Note that my payments were paid in full statement balance each month and the balance was at {$0.00} at the time they close my account, which means no late payment, no missed payment.

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 2025-12-01 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: KY

Complaint narrative:
b'I am submitting this letter as my third formal dispute regarding inaccuracies on my Equifax and TransUnion credit report. Despite prior submissions, the\nissues remain unresolved. I am requesting a thorough and detailed reinvestigation of the items listed below, in accordance with the Fair\nCredit Reporting Act (FCRA), specifically Sections 607(a), 611(a), and 623(a)(1)(A), to ensure that all information reported on my file is\naccurate, complete, and verifiable.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 2025-12-01 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: GA

Complaint narrative:
I've recently reviewed my credit report and noticed I had fraudulent activity on my report. Please remove this account as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint because all three major credit reporting agencies Experian, Equifax, and TransUnion are reporting incorrect, inconsistent, and incomplete information on my consumer credit files, despite my efforts to resolve these matters directly with them. There are inaccurate personal identifiers such as the incorrect name XXXX XXXX XXXX appearing on my TransUnion file and incorrect addresses like XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX appearing on my Equifax report and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX appearing on my TransUnion report, none of which accurately represent my identity or residence history. Additionally, several accounts are being reported with late payments that do not match my actual payment history, documentation, or the way I maintained these accounts. These include my XXXX Mortgage account ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported by all bureaus with XXXX late payments for XXXX and XX/XX/year>, even though I kept this mortgage as a priority and made those payments as agreed. My XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) is also inaccurately reported with a XXXX late payment in XX/XX/year> across all bureaus although my records reflect that this payment was properly managed. My XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) shows a XXXX late payment with TransUnion and Equifax but not with Experian, and this inconsistency does not align with the payment activity I maintained nor my personal records, as this account was handled responsibly. Additionally, my closed XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported with a XXXX late payment across the bureaus despite the fact that I paid this account responsibly, paid it down to a {$0.00} balance, and closed it properly. These errors affect my creditworthiness and fail to comply with the requirements of the Fair Credit Reporting Act, including FCRA 602 requiring accuracy and fairness, FCRA 611 outlining my right to dispute incorrect information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate or incomplete information, and FCRA 623 ( b ) requiring a reasonable investigation upon notice. I have provided detailed disputes to each bureau, and all of this information should be thoroughly corrected so that my files accurately reflect my identity and my true payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint because all three major credit reporting agencies Experian, Equifax, and TransUnion are reporting incorrect, inconsistent, and incomplete information on my consumer credit files, despite my efforts to resolve these matters directly with them. There are inaccurate personal identifiers such as the incorrect name XXXX XXXX XXXX appearing on my TransUnion file and incorrect addresses like XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX appearing on my Equifax report and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX appearing on my TransUnion report, none of which accurately represent my identity or residence history. Additionally, several accounts are being reported with late payments that do not match my actual payment history, documentation, or the way I maintained these accounts. These include my XXXX Mortgage account ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported by all bureaus with XXXX late payments for XXXX and XX/XX/year>, even though I kept this mortgage as a priority and made those payments as agreed. My XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) is also inaccurately reported with a XXXX late payment in XX/XX/year> across all bureaus although my records reflect that this payment was properly managed. My XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) shows a XXXX late payment with TransUnion and Equifax but not with Experian, and this inconsistency does not align with the payment activity I maintained nor my personal records, as this account was handled responsibly. Additionally, my closed XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported with a XXXX late payment across the bureaus despite the fact that I paid this account responsibly, paid it down to a {$0.00} balance, and closed it properly. These errors affect my creditworthiness and fail to comply with the requirements of the Fair Credit Reporting Act, including FCRA 602 requiring accuracy and fairness, FCRA 611 outlining my right to dispute incorrect information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate or incomplete information, and FCRA 623 ( b ) requiring a reasonable investigation upon notice. I have provided detailed disputes to each bureau, and all of this information should be thoroughly corrected so that my files accurately reflect my identity and my true payment history.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been complaining that I have been asking for complete accuracy in the past. The bureau used my complaints to change the reporting. The law has states we should have inacccurate information removed. I keep complaining and all I get is changes and more inaccurate reports. I disputed a public bankruptcy record in XX/XX/year> that is over XXXX XXXX XXXX, has no active or associated accounts, and was not verified with supporting documentation. This is a violation of FCRA 611 and 607 ( b ).

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 2025-12-01 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: CA

Complaint narrative:
I am submitting this ninth formal CFPB complaint to demand the removal of multiple inaccurate and unverifiable items being reported across my credit files with Experian, Equifax, and TransUnion, as these accounts continue to misrepresent my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inconsistently across all three bureaus, showing conflicting last payment dates and status, with Experian and TransUnion listing a last payment of XX/XX/XXXX as current while Equifax shows no last payment date and no verified status. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is inaccurately reported in Equifax as XXXX  days late with a last payment of XX/XX/XXXX, despite these items being unverifiable. These repeated reporting errors demonstrate the bureaus failure to ensure accuracy and proper verification under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ). Given the inability of the furnishers and credit bureaus to validate these accounts, I am requesting that all disputed items be completely removed from my credit reports at Experian, Equifax, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am submitting this ninth formal CFPB complaint to demand the removal of multiple inaccurate and unverifiable items being reported across my credit files with Experian, Equifax, and TransUnion, as these accounts continue to misrepresent my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inconsistently across all three bureaus, showing conflicting last payment dates and status, with Experian and TransUnion listing a last payment of XX/XX/XXXX as current while Equifax shows no last payment date and no verified status. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is inaccurately reported in Equifax as XXXX  days late with a last payment of XX/XX/XXXX, despite these items being unverifiable. These repeated reporting errors demonstrate the bureaus failure to ensure accuracy and proper verification under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ). Given the inability of the furnishers and credit bureaus to validate these accounts, I am requesting that all disputed items be completely removed from my credit reports at Experian, Equifax, and TransUnion.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MD

Complaint narrative:
RE : EMERGENCY CEASE AND DESIST - ONGOING UNAUTHORIZED DEBITS - UNCONSCIONABLE CONTRACT - FEDERAL LAW VIOLATIONS- DEMAND FOR IMMEDIATE ACTION URGENT NOTICE : ONGOING THEFT FROM BANK ACCOUNT This letter serves as an EMERGENCY CEASE AND DESIST demand and formal notice that you have made MULTIPLE UNAUTHORIZED DEBITS from my bank account and have violated numerous federal consumer protection laws. STOP ALL ACCESS TO MY BANK ACCOUNT IMMEDIATELY. 


LETTER SECTIONS : I. NO VALID CONTRACT FORMED - PAYDAY LOAN REQUIRES EMPLOYMENT XXXX. MULTIPLE UNAUTHORIZED ELECTRONIC FUND TRANSFERS- ONGOING THEFT - XX/XX/year> : {$340.00} - XX/XX/year> : {$280.00} - TOTAL : {$620.00} XXXX. CONTRACT LAW VIOLATIONS - No Mutual Assent - Counteroffer Never Accepted - No Consideration - Unconscionable Terms IV. FEDERAL LAW VIOLATIONS- TILA Violations - CFPB Payday Rule Violations - XXXX Violations ( Unauthorized Debits ) - UDAAP Violations V. REMEDIES AVAILABLE - Actual Damages : $ XXXX ( business loss, financial hardship ) - Statutory Damages : $ XXXX {$5000.00} per violation - Attorney 's Fees VI. REGULATORY COMPLAINTS FILED - CFPB ( Emergency ) - FTC - Maryland Attorney General - Possible XXXX Police Report XXXX. CORPORATE STRUCTURE AND LIABILITY XXXX. FEDERAL JURISDICTION XXXX. TIME FOR RESPONSE - XXXX HOURS : Cease account access - XXXX BUSINESS DAYS : Full compliance XXXX PRESERVATION OF RIGHTS XXXX. CONSEQUENCES OF NON-COMPLIANCE XXXX. CONCLUSION KEY DEMANDS : XXXX. IMMEDIATELY CEASE all account access XXXX. RETURN {$620.00} ( both unauthorized debits ) XXXX. STOP all collection activities XXXX. REMOVE from credit bureaus XXXX. ACKNOWLEDGE no valid contract exists XXXX. PAY statutory damages XXXX. CONFIRM in writing within XXXX hours please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted multiple documents including an FTC report and police report concerning Identity Theft and after removing all the fraudulent accounts, my credit score of course increased. Then about 2-3 weeks later, all of the fraudulent accounts were added back on as if they were brand new accounts. I was given explanation as to why and because they were added like they were brand new it caused my credit score to plummet over XXXX points overnight. I provided all documentation requested or required to have my rights under the FCRA violated. This is ludacris, how am I supposed to trust a credit company to correctly handle my account when they violate basic consumer protection regulations. All 3 credit bureaus did this to me. I can't even refinance my vehicle now because of this. I shouldn't have to hire a lawyer and go to court to force them to remove fraudulent accounts from my record.

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 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this ninth formal CFPB complaint to demand the removal of multiple inaccurate and unverifiable items being reported across my credit files with Experian, Equifax, and TransUnion, as these accounts continue to misrepresent my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inconsistently across all three bureaus, showing conflicting last payment dates and status, with Experian and TransUnion listing a last payment of XX/XX/XXXX as current while Equifax shows no last payment date and no verified status. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is inaccurately reported in Equifax as XXXX  days late with a last payment of XX/XX/XXXX, despite these items being unverifiable. These repeated reporting errors demonstrate the bureaus failure to ensure accuracy and proper verification under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ). Given the inability of the furnishers and credit bureaus to validate these accounts, I am requesting that all disputed items be completely removed from my credit reports at Experian, Equifax, and TransUnion.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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