vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
In accordance with the fair credit reporting act XXXX XXXX account # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-28 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Citibank ( Citi ) for unfair, deceptive, and damaging actions regarding my Citi XXXX XXXX credit card account. My experience follows a disturbing pattern reported by many other consumers. 

Background & Timeline of Events : Application and Immediate Fee Charge : I applied for and was approved for the Citi XXXX XXXX card. Citibank performed a hard credit inquiry and immediately charged the {$590.00} annual fee to the account. 

Account Block and Verification Request : The very next day, my new account was restricted. I received a " Notice of Blocked Account '' with a request to complete and return an IRS Form 4506-C to validate my income and identity. I complied with this lengthy verification process immediately and mailed the completed form to the designated address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

Temporary Unblocking and Sudden Closure : After submitting the required 4506-C form, my account was temporarily unblocked. However, without any prior notice or explanation, Citibank permanently closed my account just XXXX days later. 

Deceptive Promises and Communication : Throughout this process, I received official communication from Citibank ( see attached evidence ) which stated : " Once your account information has been verified, you'll be able to use your card ... '' The bank promised a statement credit for the {$590.00} Annual Membership Fee. 

The bank promised to award the XXXX ThankYou Points welcome bonus without the need to meet the spend requirement. 

I fulfilled my obligation by providing the requested documentation. Citibank, after verifying my information, chose to permanently close the account instead of honoring its written promises. This is a deeply deceptive and unfair business practice. 

The Harm Caused : Credit Score Damage : The hard inquiry, combined with the closure of a brand-new account, has significantly damaged my average account age and caused a substantial drop in my XXXX  credit score. 

Financial Harm : I have been charged a {$590.00} annual fee for a card I was never permitted to use. 

Deceptive Practices : Citibank deceive me into completing a lengthy verification process with clear promises, only to renege on them after the fact. 

Time and Effort : I have wasted considerable time and effort complying with Citibank 's own requests, only to be left with a closed account and a damaged credit profile.

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 2025-10-28 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: CA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act. I request reinvestigation of the items listed below and a written explanation of your procedures per 1681i ( 7 ). 
XXXX XXXX XXXX Auto Loan Account XXXX XXXXXXXX XXXX XXXX Your report lists this account as XXXX  days late in XX/XX/XXXX. This is inaccurate and unsupported. Please verify the payment history directly with the furnisher or remove the derogatory remark for failure to substantiate accuracy under 1681i ( a ). 
XXXX. Personal Information Correction Please remove the following outdated or incorrect personal identifiers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX listing should reflect : Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX. Tradeline Inconsistencies The following tradelines show discrepancies in balance or activity dates when compared with other credit files : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXXXXXX

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
TrueAccord is attempting to collect on an account that was originally with XXXXXXXX XXXX XXXX XXXX informed me that they do not know TrueAccord and have no record of authorizing them to collect this debt. TrueAccord has not provided any proof of ownership, assignment, or documentation showing they are legally authorized to collect on this account.

I am requesting that TrueAccord provide valid proof of ownership or assignment. If they can not, this account should be deleted and all collection activity must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just recently looked at my report XXXX XXXX. I saw some XXXX inquiries that did not have permissible purpose. 

XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXXXXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXXXXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXXXXXX XXXX XXXX XXXXXXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX XXXX  : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXXXXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to viloation of 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I had {$5000.00} stolen from my account and after several weeks of calling Robinhood ( trying to escalate this matter to a Manager ), I have still not received my money back. I kept being told that a supervisor or someone from the security team will be calling to assist, and several days pass without a call. Finally, a Manager gave me a call and told me they can't do anything about the situation, even when I was in tears over the phone begging and pleading with them to check the IP address of where the ETH purchase came from. I stated that I had $ XXXX in their brokerage account which is my entire savings, and that I had never invested in XXXX nor did I even know how to do that. My {$120.00} was only in the account for a couple of weeks before this all occurred. Please see below for timeline. 

Around the end of XXXX I opened up a XXXX XXXX account and deposited $ XXXX ( all of my savings ). On XX/XX/XXXX, I received a that someone hacked into my account and tried to withdraw the full $ XXXX I had available. I replied to the text message instantly with the response " XXXX '' that this was not me, now in a panic knowing someone almost cleared out my entire account. Immediately, XXXX called me and asked me if that was me, I said absolutely not. They said the withdraw request came from an IP address in XXXX. I live in XXXX, XXXX. They told me not to worry at all and that they placed a restriction on the account, plus I set up photo verification and ID verification. 

On XX/XX/XXXX ( only XXXX  days later ), someone got into my account and purchased {$5000.00} of XXXX at XXXX and then immediately sent withdrew it to an account at XXXX, XXXX minutes later. I have screen shots to support this. This was an unauthorized access and transaction under the Electronic Fund Transfer Act and Regulation E. I did not authorize this purchase or transfer, nor did I give anyone access to my login credentials. As a regulated entity facilitating electronic fund transfers and crypto transactions, Robinhood has an obligation to protect consumer assets and to reimburse authorized transfers when notified promptly- as I have done. 

I have already contacted Robinhood support and received limited or no resolution. I am now escalating this matter to you and your fraud/compliance team. I am also in the process of filing compliants with the following : FTC, FBI, the SEC, and the Consumer Financial Protection Bureau. 

Please let me know if you can help get my money back. I've since withdrew all $ XXXX and deposited it into a XXXX account. I will never use Robinhood again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 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 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent Portfolio Recovery Associates , LLC multiple written debt validation requests ( certified mail ) on XX/XX/year>, XX/XX/year>, and XX/XX/year>, regarding an alleged account they are reporting to XXXX  under reference number XXXX Portfolio Recovery never provided proper validation of the alleged debt as required by FDCPA 809 ( b ). Despite their failure to validate, they have continued to report the account to XXXX. 
After disputing this with XXXX, my report was updated to show : This item was updated from our processing of your dispute in XX/XX/year>. This indicates that the furnisher responded electronically to XXXX  without supplying proof of validation, which constitutes violations of : FDCPA 809 ( b ) continuing collection/reporting without validation FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation Requested Resolution : Delete the unvalidated account from my credit report. 
Confirm Portfolio Recovery has ceased collection and reporting activities until proper validation is provided. 
Ensure compliance with FCRA and FDCPA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
About or around XXXX, I contacted chime to convey to them that I did not recognize certain charges on my statement. Investigation was done according to them and I was denied thr claims .. mind you I have XXXX XXXX come into the account and I disputed things that totaled around {$200.00} that I knew for a fact was not mine. I have been a victim of identity theft .. It is documented and a police report was filed in XXXX accounts was open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CT

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 explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code 9-210 to dispute the accuracy and completeness of specific information contained in my credit file. 
XXXX. XXXX XXXX Account # XXXX Status : Charged off / Collection Balance : {$4700.00} Issue : Account reflects charged off as bad debt, yet no Form 1099-C has been issued and the same balance continues to report monthly. This is inconsistent with XXXX accuracy standards and violates 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

Request : Conduct a reinvestigation per 1681i ( a ) ( 1 ) ( A ) and delete or correct this tradeline. Provide the furnishers name, address, and telephone number per 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( 7 ). 
XXXX. XXXX XXXX  Account # XXXX Status : Charged off / Derogatory Balance : {$1900.00} Issue : Reported as profit and loss write-off, yet continues to list unpaid balance contrary to FCRA and UCC accounting rules.

Request : Verify the accuracy with documentary evidence or delete immediately. 
XXXX. XXXX Account # XXXX Status : 30-day late, closed by credit grantor Issue : Late posting month conflicts between bureaus. Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless the statement was delivered 21 days before the due date. 
Request : Correct to Pays as agreed or remove. 
XXXX. XXXX Account XXXX XXXX Status : Open / 30-day late ( 2025 ) Issue : Payment dates appear inconsistent ; 30-day late not supported across all bureaus. 
Request : Verify actual payment records or delete the delinquency mark. 
XXXX. XXXX XXXX Account # XXXX Status : Open / 30-day late ( 2025 ) Issue : Similar inconsistency across bureaus ; reporting may not reflect actual payment posting date. 
Request : Remove inaccurate late mark or provide evidence.

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