vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK
State: AZ

Complaint narrative:
I do not have overdraft protection on my checking account, but my bank allowed a XXXX debit card transaction to post that caused my account to overdraft. I contacted the bank and was told the transaction was only processed because their app/system was down at the time, so this was clearly the banks error. 

This was not my fault, and I did not authorize overdraft protection. The bank is treating this as a merchant dispute instead of correcting their own error. This is unfair because the problem came from the banks system failure, not the merchant or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NM

Complaint narrative:
Citibank credit card dispute made on XX/XX/year> for goods/services not as described at XXXX XXXX XXXX for {$2300.00}. After numerous back and forth correspondences between Citibank and XXXX XXXX XXXX, my credit card dispute was denied because the merchant told Citibank that they gave me a credit/refund. I received a letter from Citibank explaining this dated XX/XX/year>. I called Citibank to let them know I did not receive a credit or refund from the merchant and therefor would not be able to provide them with a " valid credit slip '' because I did not receive one. I was told by Citibank dispute representative XXXX, that the dispute would be reopened and that they would reach out to the merchant due to the credit/refund not showing on my credit card account. I received a letter from Citibank dated XX/XX/year> saying that the dispute would be closed " due to the amount of time that has passed since this charge was first billed, we no longer have any recourse to obtain credit on your behalf. '' I find this unfair and unethical due to the fact that I had no control over how long it took for Citibank and the merchant to resolve this. I responded to all correspondence in a timely manner as soon as it was requested from me. When the merchant told Citibank they had credited/refunded me, Citibank did not go into my account to see if this was true. Citibank prolonged the dispute investigation process and did not follow through with the merchant to get me my credit/refund. I have kept all correspondence and can submit it upon request.

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 2025-08-18 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: TN

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, 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
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Despite having previously submitted two formal disputes regarding fraudulent accounts on my credit file supported by a valid FTC Identity Theft Report the credit bureau failed to comply with their legal obligations under the FCRA 605B.

I have now submitted another police report ( Case # XXXX ) and re-sent a full identity theft documentation package ( including FTC report, police report, proof of ID, and address ) to Experian via certified mail demanding a block of these fraudulent accounts immediately.

Im filing this complaint as a result of the credit bureaus refusal or delay to comply with federal law. I am requesting an immediate block and permanent deletion of the affected accounts under FCRA 605B.

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 2025-08-18 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: CHERRY TECHNOLOGIES INC.
State: AZ

Complaint narrative:
I received a quote to receive dental treatment from a dentist called XXXX XXXX XXXX XXXX. Before any treatment was conducted I qualified for {$20000.00} credit from a Finance company called Cherry Technologies , Inc. I gave Cherry a deposit of {$800.00} to start the process to receive credit of {$20000.00} for dental. I spoke to my neurologist about my intentions of undergoing dental treatment. My neurologist told me that based on my trigeminal neuralgia on the right side disease I must not under go any dental treatment until future treatment is conducted. Trigeminal neuralgia is a chronic pain condition affecting the trigeminal nerve in the face. The trigeminal nerve carries sensation from the face to the brain, in which I suffer from extreme pain. I take a medication called oxcarbamazepine ( 150mg ) and pain is unannounced and random. As a result I canceled the dental treatment appointment with the dentist and notified Cherry Technologies , Inc of my decision based on my doctor recommendation. The dentist refused to cancel my appointment and tried to persuade me to go against my Neurologist requested and recommendation. So eventually I told Cherry that the dentist refused to cancel and Cherry agreed to help me in the process of cancellation. During this process the dentist named XXXX XXXX XXXX XXXX, XXXX. called me to request a letter from neurologist. I then went to my neurologist to retrieve the letter. I provided the letter to XXXX XXXX XXXX XXXX, XXXX. I also provided the letter to Cherry Technologies. Cherry cancelled the account and refunded me my deposit since the Dentist refused to cancel on the dental 's platform. We thanked Cherry for their help. Cherry refunded me {$800.00} on XX/XX/year>. I provided the proof along with letter. I was confirmed by Cherry that the account was completely canceled. Suddenly around XX/XX/year> I received a statement from Cherry Techonogies for a balance of {$8300.00}. I inquired with Cherry and told them that they had canceled this account because I submitted all information and they provide me a refund of {$800.00}. They told me that I needed to talk to the XXXX XXXX XXXX XXXX which I did once again. XXXX XXXX XXXX XXXXXXXX me that I needed told to Cherry and they have no records of treatment. So I am requesting help to hold Cherry and this Dental facility for this fraud they are committing against me for no treatment received. I am providing all supporting documents. My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paxful Holdings, Inc.

Complaint narrative:
On XX/XX/scrub>, 2025,

Paxful suspended my account, claiming I had violated their Terms of Service by submitting fake or edited documents / misrepresentation. I strongly deny this. The suspension stemmed from a trade dispute in which a buyer alleged they did not receive a refund. Paxful required me to provide evidence that I had sent the refund, which I truthfully did. Despite this, Paxful accused me of submitting fake documents. The evidence I submitted was genuine, but Paxful refused to consider it fairly or give me an opportunity to appeal. As a result, my account remains locked. Paxful is holding {$590.00} USD of my funds and has stated that my account will be permanently banned after XX/XX/scrub> 2025, with only limited withdrawal access. They have provided no proof of their claims and no clear process for resolving this dispute.

I am requesting that Paxful be required to : Provide evidence supporting their accusations.

Reassess the trade dispute fairly, taking into account the valid refund proof I submitted.

Restore my account access or, at the very least, release my funds of {$590.00} safely and without restrictions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Fraudulent charges ( apparently for video games and such ) using various California IP addresses ) XXXX {$26.00} XXXX {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX {$25.00} XXXX {$25.00} XXXX {$25.00} XXXX {$25.00} XXXX {$31.00} XXXX {$25.00} Total {$270.00} + late charges and fees I am an elderly female ( nearly XXXX XXXX XXXX ) living in Wisconsin. I had not been out of Wisconsin in at least three years and have no interest in video games. I live alone and have no immediate family members who would have made these charges and They do not have access to my information. There were related charges in the amount of about {$300.00} which BOA removed apparently because they were over the limit that should have called for a verification call to me.

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 2025-08-18 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing a formal complaint regarding an account reported by XXXX XXXX XXXX Bank ( Account Number : XXXXXXXX XXXX XXXX ). This account contains several inaccuracies, and I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Issue Summary : Future-Dated Reporting : The " Reported '' date is listed as XX/XX/year>, which is a future-dated entry. This violates FCRA Section 607, which mandates accurate and timely reporting.

Failure to Validate Debt : Despite my previous dispute of this account, XXXX XXXX XXXX XXXX  has failed to provide the necessary debt validation as required by FCRA Section 609 and FDCPA Section 809.

Inaccurate Dispute Resolution Status : The remarks state " Dispute resolved ; customer disagrees '', but no documentation has been provided to confirm the resolution of the dispute. If the dispute was not properly investigated, this constitutes a violation under FCRA Section 611. Inaccurate Charge-Off Reporting : The account is marked as a charge-off with a balance of
{$560.00}, but no mention of any settlements or adjustments to the balance has been provided. If the balance was altered or payments made, these should be reflected in the report.

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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account listed under my name. I have no knowledge of, connection to, or authorization for this account. Its reporting is false, misleading, and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a formal dispute regarding a fraudulent account listed under my name. I have no connection to this account and never authorized its creation. Its presence is false, misleading, and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief