vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi checking account through their official offer page, which advertised a {$750.00} bonus for maintaining a {$30000.00} balance for 90 days after account opening. I opened my account on XX/XX/year>, well within the offer period of XX/XX/year>, to XX/XX/year>. I have a screenshot of the promotional offer clearly showing these valid dates. 

After opening the account, I deposited the required balance and kept it in the account for nearly a month. However, when I contacted Citis customer service to confirm my enrollment, I was informed that the promo code had not been applied and that they refused to apply it manually. This issue appears to be a system error on Citis side, as the offer was still active when I opened my account, and I met all the qualifying conditions. Therefore, Citi should apply the promotional code to my account manually to ensure I receive the promised bonus. 

I believe this situation is unfair and misleading to customers who follow all offer requirements in good faith. I kindly request that this issue be investigated and resolved appropriately. 

Please note that I will continue filing complaints through the appropriate consumer protection channels until this matter is resolved satisfactorily. 

Thank you for your time and attention to this issue.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting three ( 3 ) inaccurate negative accounts on my credit report that do NOT appear on my XXXX or XXXX reports pulled on the same day ( XX/XX/year> ). This is causing major harm to my credit score and preventing me from getting approved for loans or better rates.

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 2025-11-02 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: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$820.00} XXXX Date Opened XX/XX/XXXX Balance {$300.00} Santander Date Opened XX/XX/XXXX Balance {$12000.00} XXXX Date Opened XX/XX/XXXX Balance {$6600.00} Capital One Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$92.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$130.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$800.00} XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complaint Title : Inaccurate and inconsistent reporting of XXXX XXXX XXXX account across credit bureaus Summary of Issue : XXXX XXXX XXXX ( account ending in XXXX ) has been inaccurately and inconsistently reported across the credit bureaus. 
Experian and TransUnion continue to report late payments for XXXX XXXX, while XXXX  has removed those same late payments as unverifiable. 
The account has repeatedly been changed between paid as agreed and late with shifting dates from XXXX to XX/XX/year>, which violates FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reinvestigation requirements ). 
These date changes appear without legitimate documentation and create a misleading 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 explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Delete names and addresses that not mine currently

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 2025-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
President Biden forgave XXXX XXXX students loans a year ago. I have called Aidvantage multiple times and they say they are working on it. I can see credits on my account but they are not applying the credits to my balance. Now with interest being charged again they are charging interest on positive and negative balances which shows on my credit report as my balance going up about XXXX per month. I need help getting them to do what they were supposed to do and correcting the errors they're making too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 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: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$820.00} XXXX Date Opened XX/XX/XXXX Balance {$300.00} Santander Date Opened XX/XX/XXXX Balance {$12000.00} XXXX Date Opened XX/XX/XXXX Balance {$6600.00} Capital One Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$92.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$130.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$800.00} XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
am writing to formally dispute inaccurate and fraudulent child support information that has been reported to the credit bureaus by the Tennessee Department of Human Services ( DHS ). 

According to my court order dated XXXX, I have consistently made all required child support payments directly to my ex-spouse as ordered. Nevertheless, The Department of Health and Human Services has submitted fraudulent and delinquent collection data to the credit reporting agencies regarding my payment history. 

Inaccurate reporting include in my TransUnion Report : XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as Unknown '' in payment history. 

Payments for XX/XX/XXXX through XX/XX/XXXX marked as In Collections. 

I have never received any notification or explanation from DHS that these payments were in collections or unknown. These entries are false, damaging to my credit, and constitute a violation of federal reporting and data accuracy laws. according to the FCRA Act Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and the Federal Communications Commission ( FCC ) regulations on consumer data accuracy and privacy ( 47 U.S.C. 227 and related rules ), I am asserting my right to dispute and correct any inaccurate or fraudulent reporting of my personal and financial information. 

Specifically, under these federal protections : I have the right to dispute any information in my credit report that I believe to be inaccurate or incomplete. 

I have the right to receive written verification of any debt or collection reported in my name. 
Given the fact that this account was open without my permission or agreement, the original terms and conditions of the account were not reviewed with myself before the creditor, the Department of Health and Human Services, decided to place my account in collections. They are in violation of my Consumer Protection Rights. 

I have the right to privacy and data accuracy regarding any electronic communication or reporting made about my personal or financial information. 

I therefore request the following actions : Immediate investigation and correction of the inaccurate child support reporting, including fraudulent use and misuse of my payments and personal information. 

Written confirmation of corrections or full disclosure of the evidence used to report these entries. 

A complete and certified payment history for my case.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX closed my credit card with a {$0.00} balance on XX/XX/year>. A 30-day late was added, but the three CRAs report conflicting facts about the same tradeline : TransUnion shows canceled by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ) ; Experian shows closed due XXXX inactivity with a 30-day late in XXXX XXXX  ( reported XX/XX/year> ) ; Equifax shows closed by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ). 
I first tried goodwill and then disputed with each CRA ; they replied verified/no change without providing documentary proof or reconciling the inconsistencies. I am requesting deletion or full correction to a single accurate and consistent report across all CRAs.

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 2025-11-02 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: CA

Complaint narrative:
XXXX  XXXX XXXX closed my credit card with a {$0.00} balance on XX/XX/year>. A 30-day late was added, but the three CRAs report conflicting facts about the same tradeline : TransUnion shows canceled by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ) ; Experian shows closed due XXXX inactivity with a 30-day late in XXXX XXXX  ( reported XX/XX/year> ) ; Equifax shows closed by credit grantor with a 30-day late in XX/XX/year> ( reported XX/XX/year> ). 
I first tried goodwill and then disputed with each CRA ; they replied verified/no change without providing documentary proof or reconciling the inconsistencies. I am requesting deletion or full correction to a single accurate and consistent report across all CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have a chime account and my card was taken from vehicle as to I do not lock my car. For the past several weeks I have received notifications from chime about a purchase with XXXX XXXX XXXX  about money tryna be pulled off and i have declined and and blocked th purchase every single time. I was then about to pay a bill to notice that chime still let this money XXXX something dollars get pulled out my account by this same people. The XXXX account wasnt even in my name because I do not have one. For one I blocked the purchase so money shouldve never been pulled and then I try explaining this and they Keep wanting to tell me that I got ta wait 10 days or come up with new proof to reopen that they cant use the same proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
Vehicle repossessed while under dispute. No default occurred. Personal property including ID, passport, and wallet was taken. I am a medically XXXX XXXX XXXX and protected under CA WIC 15610.23. Adverse data appeared on my credit profile in violation of FCRA, FDCPA, and GLBA. Identity theft and opt-out rights ignored. I revoke all POA. Demand removal of negative data and score restoration to XXXX. Related complaints : CFPB Complaint Reference : XXXX - OCC Complaint Number : Case XXXX - SEC Complaint XXXX : XXXX - XXXX  Complaint Filed

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 2025-11-02 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: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a rental debt by XXXX XXXX XXXX ( XXXX ) and Experian related to XXXX XXXX Apartments. I was a co-applicant and joint resident on this lease, and the account currently being reported is inaccurate and unverifiable. 

My co-applicant, XXXX XXXX, and I vacated the unit on XX/XX/year>, and returned the keys on XX/XX/year>. We have timestamped photo and video evidence of the key drop-off in the leasing office drop box, clearly labeled with our apartment number, name, and date. This evidence proves we vacated before the date reported by XXXX XXXX and XXXX. 

The documents provided by XXXX and XXXX XXXX are incomplete and unsigned, including an unsigned move-out report and a XXXX notice we never received or saw posted on the door. These documents do not establish that we occupied the apartment beyond XX/XX/year>. Their continued verification of inaccurate information violates the Fair Credit Reporting Act ( FCRA ) specifically 1681e ( b ) and 1681i, which require credit furnishers and reporting agencies to maintain accuracy and conduct reasonable reinvestigations. 

I am formally requesting : XXXX. Supervisory review of this dispute due to repeated inaccurate verification. 
XXXX. Immediate deletion of this account from my credit report and confirmation that the same deletion applies to my co-applicants report. 
XXXX. Written notice confirming that any tenant screening or XXXX-party databases reflecting this inaccurate debt have also been corrected or deleted. 

The continued reporting of this unverifiable information has caused significant harm and must be resolved in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In 2022, I deposited a check from XXXX XXXX into my American Express Savings Account ( ending in XXXX ). The check number was XXXX, and the amount was {$15000.00}. According to XXXX XXXX records, this check was issued on XX/XX/year>, and paid on XX/XX/year>. 

However, I never received the benefit of these funds in my American Express account. The account has since been closed, but I have repeatedly contacted both XXXX XXXX and American Express to recover my remaining balance. 

Recently, XXXXXXXX XXXX confirmed that the funds were paid to American Express Bank in XXXX and advised me to contact American Express to release and send me a check for the remaining balance from my closed account. 

Therefore, I am requesting that American Express release and return my funds to me, as XXXXXXXX XXXX has confirmed that the funds are currently in the possession of American Express. 

I would appreciate a prompt review and resolution of this matter. These funds rightfully belong to me and have been pending since XXXX 

Amount in question : {$15000.00} Original XXXX XXXX check number : XXXX Date issued : XX/XX/year> Date paid ( per XXXX ) : XX/XX/year> Bank holding funds : American Express Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Delete names and alias with addresses that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital systems XX/XX/23 I Don't know this company and I don't owe them anything. I'm not aware of any debt owed to them. I do not remember doing any form of business with this company.

Company response to consumer: Closed with explanation