vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank closed my checking account on the same day they repeatedly flagged my legitimate transactions as potential fraud. For several hours, every debit card transaction I attempted triggered a fraud alert, even though I had used my card many times at the same or similar merchants, for the same transaction types and amounts. 

When I attempted to contact Citibanks fraud department to confirm that the flagged transaction was mine, I was repeatedly transferred to the account-closure department instead. I was informed that the account had been closed due to too many suspicious transactions or similar language referenced in Citibanks terms and conditions. 

After the closure, I received a letter stating that I could call to request early release of my remaining funds instead of waiting the standard 60-day hold period. However, when I called, I was transferred back and forth between departments, both of which read from the same script and refused to answer specific questions about the closure or the status of my funds. When I requested a supervisor, I was told I would receive the exact same scripted response and that there was no other department or method of communication to resolve the issue. 

Citibank is currently holding my full paycheck and the remaining balance in the closed account for 60 days before they will mail a check. I am paid monthly, and this hold has left me without access to my income. I trusted Citibank with my money, and I am unable to get answers, clarification, or assistance from any department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

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 non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because the credit bureaus are reporting multiple accounts with incorrect, outdated, or unverifiable information on my credit file. I have already contacted the bureaus and the data furnishers, but the information has not been properly investigated or corrected as required by the FCRA. 

These accounts are reporting inaccurate late payments, charge-offs, and derogatory history that do not reflect my actual payment history or the current status of the accounts. Some accounts continue to be reported even though they have been closed, paid, or transferred. 

Under FCRA 602, 607 ( b ), and 611, every item reported must be accurate, verifiable, and the bureaus must conduct a reasonable reinvestigation. That has not happened. 

I am requesting the CFPB to require the credit bureaus to conduct a proper reinvestigation and either correct or delete any information they can not fully verify with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: IN

Complaint narrative:
I tried using the card to get money and the card was locked for no reason they said there was charge on the card for {$10.00} for XXXXXXXX XXXX but when i called XXXXXXXX XXXX they have no record of me have a subscription. And now they will not release my money so i can pay my bills they have left me in a bind. I can not get my medication or get to my doctor because i do not have gas to get there and to get any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TrueAccord Corp.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 

Date of Last Activity. 

Full, accurate social security number that XXXX help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXX XXXX XXXX XXXX Cand me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 

Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged {$2700.00} to my Wells Fargo Visa card ending in XXXX on XX/XX/year> for a XXXX that was cancelled that did not occur. No service was provided by the merchant. They sent XXXX a fraudulent cancellation form that they typed my name and date that WAS NOT filled out by me. Now the credit card company is refusing to help me either this dispute when this merchant clearly stole almost {$2800.00} from me. I need help getting these funds back. I do not understand how the credit card company can allow the merchant to keep XXXX % of the cost of the XXXX when I did not even have it! I sent them letters from my attorneys and psychiatrist and they ignored them and will not help me. How can the credit card company hold me responsible for so much money! This is absurd! If I had XXXX XXXX they would have handled this and resolved this in my favor. I regret having a business credit card with this bank and want to have someone from their corporate office help me since this is a SERIOUS LEGAL MATTER with attorneys involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi, I have contacted equifax and XXXX XXXXXXXX to dispute an error on my credit reporting from XXXX XXXX XX/XX/year>. I have been making my payments on time through XXXX, a third party debt program. On the statements that I have included, there is no late payment fee and no statement on them saying I have been late on my payments. XXXX XXXX started to report I was on time once I called them for noticing them reporting my payments as late to the credit bureau. I was told that they didnt recapture after XXXX late payment as I was working with XXXX XXXX I have attached my documents showing form XXXX XXXX there is no late payment or notification as well as my disputes with equifax and XXXX XXXX  to show that my payments where in fact, made on time. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because PayPal has failed to provide me with the required documentation for a refund that never arrived in my XXXX XXXX XXXXXXXX account. 

PayPal claims they sent a refund of XXXX instances, XXXX totaling {$110.00} and another {$120.00}, but XXXX XXXX XXXXXXXX confirms that no such refund was received. PayPal repeatedly provided only an internal PayPal transaction ID, which the bank can not use. When I requested the proper information, PayPal gave me a reference code containing letters ( XXXX XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX XXXX XXXX '' ), which is not a valid ACH trace numberXXXX XXXX XXXX XXXXXXXX requires the XXXX trace number to verify a bank refund. PayPal has refused or failed to provide either one. 

I informed PayPal that the information they provided was invalid and requested the correct ACH trace number. They admitted the error and told me a supervisor would call within XXXX hours, but no one contacted me since last week Monday. 

I also have a recorded call where the PayPal agent confirmed a refund was done via bank transfer, provided an invalid reference number and promised a supervisor call that never occurred. I can provide these recordings directly to the XXXX if requested. 

At this point, I have no valid refund documentation and no refund. I have spent significant time attempting to resolve this, and PayPal continues to avoid providing the legally required refund trace information. 

What I want PayPal to do : Provide the proper ACH trace number. 

If PayPal can not provide either the XXXX trace, then they must reissue the refund immediately, since this indicates the refund was never successfully processed. 

Please provide confirmation of : - The exact date the refund was sent - The account where it was sent - Whether the previous refund attempt bounced or failed Why CFPB intervention is needed : I have made multiple attempts to resolve this directly with PayPal. They have provided incorrect information, failed to provide the required ACH trace number, and did not follow through on a promised supervisor callback. I can not verify or receive the refund without the federally recognized trace information that PayPal is required to provide. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I fully intended to keep my student loan payments in good standing, and I acted immediately once I understood something was wrong. However, the communication I received from XXXX during the period they claim I became 90 days delinquent was unclear, easily lost among normal emails, and did not resemble the type of urgent, time-sensitive notices typically sent before reporting a severe derogatory mark. 

Although XXXX did send some emails, none of them clearly stated : that I was past due by any specific number of days, that I was approaching a XXXX, XXXX, or XXXX delinquency, or that my account was about to be reported to the credit bureaus. 

The subject lines did not communicate urgency or delinquency at all, and several appeared promotional. XXXX example is the email titled XXXX, youre missing out, which I reasonably interpreted as a marketing or informational message, not a delinquency alert. Because none of the emails were labeled clearly or urgently, they blended into the rest of my inbox and didnt signal any immediate financial issue. 

If I had received any traditional mailed notice, something clearly marked as an urgent billing or delinquency message, I absolutely would have opened it. During this time, I had also changed addresses, and I never received any mail from XXXX at my new location. As a result, the first time I became aware that my account was seriously overdue was after the XXXX late mark appeared on my credit report. 

Additionally, during this period I was undergoing evaluation and treatment for severe ADHD, which has significantly impacted my ability to track administrative deadlines. Once I discovered the issue, I corrected it immediately. 

This single late mark dropped my credit score by approximately XXXX points and has severely disrupted my plans to secure a mortgage this year. Given the lack of clear delinquency warnings, the misleading email presentation, my documented medical circumstances, and my immediate payment once informed, I am respectfully requesting reconsideration or removal of the late payment reporting. I am also willing to pay the account in full as a demonstration of good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful suspension of my MoneyLion bank account, the withholding of my funds, and the severe financial harm this has caused me. 

On XX/XX/year>, I began receiving decline notices for my MoneyLion account. I immediately attempted to log into my account, assuming it was a technical issue. When I could not log in, I reset my password, but the login failure continued. 

I contacted MoneyLion customer care for assistance. During my first call, representatives refused to tell me why my account was suspended and stated only that they would send an email. I specifically requested to speak with the department responsible for the suspension, but MoneyLion refused to transfer me. I was told someone would call me back, but no follow-up ever occurred. 

I called again after receiving the email, but once more, customer care stated they could not help, could not explain the suspension, and would not connect me to the investigating department. 

Because MoneyLion froze my account without notice or explanation, my rent payment was returned, resulting in a {$200.00} returned-payment fee, and I have suffered additional financial losses, including becoming temporarily homeless.

MoneyLion already has my identification, previous check records, and mobile-deposit history. I have complied with all documentation requests, yet my account remains frozen without lawful justification.

Additionally, MoneyLion representatives became hostile because I chose to use XXXX XXXX XXXX  rather than paying MoneyLions excessive fees of {$80.00} to cash a check and an additional {$15.00} to deposit the cash. On the most recent deposit, I cashed a {$1500.00} check at XXXX and deposited {$1400.00} into my MoneyLion account. Shortly after, my account was suspended. I believe this is retaliatory, as I have added cash to my account for years with no issue until I stopped using their preferred services. 

This is the second time MoneyLion has interfered with my account without my authorization or a valid explanation. I now can not access my own funds, and MoneyLion refuses to provide any reason for the suspension or timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief