vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or around XX/XX/year>, I opened a Citi XXXX XXXX Credit Card specifically for its promotional balance transfer offer. Shortly after opening the account, I initiated a {$1700.00} balance transfer to my XXXX XXXX through XXXX XXXX Bank. 

Over the next several weeks, I called XXXX customer service more than XXXX times to check the status of this balance transfer. Each representative gave me different and conflicting information about the date and method of payment. I was repeatedly told that, because it was a new account, the payment was being sent by physical check instead of electronically. 

After weeks of confusion, I called Citibank again on XX/XX/year>, and spoke with a supervisor to cancel the balance transfer check and close the credit card account, as I no longer wanted to proceed with the transfer due to the misinformation and delays. The supervisor confirmed that the check would be canceled and the account closed. 

However, on XX/XX/year>, I discovered a {$1700.00} balance on my now-closed Citibank account XXXX When I called Citibank, I was told that the check had been cashed XXXX days earlier, which contradicts what I was told and what should have been possible since I requested the check to be stopped. 

I immediately contacted XXXX XXXX ( XXXX XXXX ), and they confirmed that no payment has been received from Citibank for my account. 

I requested Citibank to provide a copy of the cashed check, the check number, or any trace information to verify where the funds were deposited. Citibank representatives stated that they have no record or image of the check and can not provide any proof of where the funds went. 

As of now, I am being held responsible for {$1700.00} on a closed account for a transaction that : I explicitly requested to be canceled, was supposedly stopped by a supervisor, and whose funds were never received by the intended recipient. 

This situation appears to be a serious internal error or mishandling of funds, and I am seeking immediate investigation and reversal of the {$1700.00} balance.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I placed several credit freezes earlier this year. I thought they were still in effect, but I have recently found out they are not and I did not request the freeze removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX STUDEN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CARD - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX CARD - XX/XX/year> XXXX CARD - XX/XX/year> 2024

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account : XXXX XXXX  XXXX Report Date : XX/XX/XXXX The entry contains serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, including 1681e ( b ) and 1681i. 

XXXX. Inflated/Erroneous Balance Equifax is reporting a Reported balance and Past due amount of {$30000.00}, while the original balance was {$15000.00}. This represents more than a XXXX XXXX increase without supporting documentation. Unless the furnisher can provide lawful, contracted interest and fee calculations justifying this amount, the figure is inaccurate and misleading. 

XXXX. Contradictory Status The tradeline lists the Account Status as Closed and simultaneously reports a Past Due Amount of {$30000.00} as of XX/XX/XXXX. 
A closed or charged-off account can not simultaneously be reported as open and currently past due. This is contradictory and misleading to creditors. 

XXXX. Date Verification Date of last payment : XX/XX/XXXX Date reported : XX/XX/XXXX I request verification of the Date of First Delinquency ( DOFD ) to ensure that the account is not being illegally re-aged. Under FCRA 605, the account must be removed seven ( 7 ) years from the DOFD, not from the date of last update.

4. Requested Resolution Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), please conduct a reinvestigation and : Correct the tradeline to reflect accurate balance terms and remove the past due notation after charge-off ; or If the debt was sold or transferred, update to Transferred/Sold {$0.00} balance and remove any amount due ; or If the furnisher can not substantiate the reported amounts and status with proper records, delete the tradeline entirely. 

XXXX. Required Disclosures Under 611 ( a ) ( 6 ) ( B ) ( iii ), I request : The results of your investigation in writing ; The method of verification, including the name, address, and telephone number of the furnisher you verified with ; and An updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
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 XXXX 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 : ARROWHEAD CU - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contest the reporting of items attributable to unauthorized accounts. Kindly undertake a full review and remove them. Supporting records are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

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 XXXX 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 : XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 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: PA

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 XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They closed my account due to a fraud on another account. And now I have a closed account on my credit with a balance they want me to pay. Due to them already saying there going to remove an account because of it being fraudulent. I want this remove and fix because Im getting a balance for an over due account with XXXX XXXX  of interest thats restricted that you guys want me to pay but giving me bad credit because the account is closed and Im trying to purchased a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I purchased an airline ticket from XXXX using my Bank of America credit card for {$400.00}. Shortly after booking, I attempted to cancel the reservation within XXXX hours, as allowed by the XXXXXXXX XXXX XXXX XXXX XXXX refund rule. XXXX refused to process a full refund and instead refunded only {$33.00}, which they stated was for the taxes on the ticket. 

Since I did not receive a full refund, I filed a billing dispute with Bank of America on XX/XX/year>. Bank of America denied my dispute, stating that they required written proof of cancellation. I faxed an appeal with all supporting evidence, including phone records showing I attempted to cancel with XXXX within the required timeframe. I received confirmation that my fax was delivered to Bank of America on XX/XX/year>. 

On XX/XX/year>, Bank of America sent me a letter about my claim ( Claim number : XXXX ). In their letter, they stated that they removed a {$400.00} credit that had previously been issued to my account and that the only remaining credit was {$33.00} from XXXX. Their response focused on adjusting credits but did not address my original dispute or the fact that I am still owed a full refund under the DOTs XXXX rule. At no point did I receive a full refund for the ticket priceonly the {$33.00} from XXXX. 

After receiving no substantive resolution, I sent a second fax to Bank of America on XX/XX/year>, again requesting a written response and a full review of my dispute. To date, I have not received any further reply or explanation from Bank of America. 

I am requesting that Bank of America process a full refund for this charge, as required under federal regulations, and provide a written explanation for their decision. I have provided all evidence reasonably available to me, and XXXX refusal to provide written confirmation of my cancellation attempt should not prevent my claim from being resolved under federal 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 2025-10-08 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: NV

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 XXXX 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: LA

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 XXXX 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 XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent zelle payment via XXXX to a service provider that didnt provide the service that I paid for. I contacted the service provider and they no longer answered me. I filed a complaint with Bank of America stating that I never received the service and would like to dispute the transaction for a refund. This was not an unauthorized transfer or a case of sending to the wrong person. I paid a verified XXXX user for a service that was never provided. I am disputing the transaction due to non-receipt of goods/services, not an incorrect recipient.

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 2025-10-08 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MS

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/year> 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