vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I called twice. Once because I was having issues logging into my account and the second time because I forgot to ask why deferred interest promotion hasn't decreased since I have made a payments over the minimum amount due since XX/XX/year>. I was told I had to call and request it before making my payments. I mentioned how I have called almost every month and no one has every suggested I request after looking at my account, but are quick to offer additional sales opportunites. I asked if an exception be made since I wasn't aware I actually had to call and I couldn't locate any information in any of the emails which stated I needed to call and personally requested the extra payments be made to my XXXX deferred interest promotional balance. Even after the escalation to a supervisor, I was told that they couldn't do anything about the past but that have activated my account so that future payments above the minimum amount due will be applied to the XXXX different balances. If they could offer on this phone call, why wasn't it offered on others. Even the customer service agent, XXXX, stated I was correct and the extra payments should have been applied. If the customer service agent wasn't aware of this protocol and he works there, how am I supposed to be aware as a consumer? It was made very clear Citibank was more concerned about making money than helping their customer of almost 20 years save interest.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX, an XXXX member of the United States military  and a confirmed victim of identity theft. My personal identifying information was compromised, and several fraudulent accounts, addresses, phone numbers, and hard inquiries have been added to my credit reports without my knowledge or consent. 

I attached my official FTC Identity Theft Report ( # XXXX ), which includes full details of the identity theft. 
Despite providing proper documentation, the credit reporting agencies have failed to block, suppress, and permanently delete the fraudulent information as required under : FCRA 605B ( mandatory blocking of identity theft information ) FCRA 605C ( active-duty military protections ) FCRA 611 ( method of verification & reinsertion rules ) FCRA 623 ( furnisher responsibilities Violations by the Credit Reporting Agencies The bureaus have violated : 1. FCRA 605B Mandatory Blocking Once I submitted my FTC report and supporting ID, the bureaus were required to : Block fraudulent data within 4 business days Delete it from my report Notify furnishers Prevent reinsertion They failed to do so.

2. FCRA 605C Military Suppression Requirements As an active-duty service member, the bureaus must : Add heightened fraud protection Suppress unverifiable information Take immediate action to prevent further harm They failed to do so.

3. FCRA 611 Reinsertion Rules Any deleted data may not be reinserted without proper certification and written notice.

The bureaus have not complied with this process.

4. FCRA 623 Furnisher Violations The furnishers of these fraudulent accounts failed to : Conduct a reasonable investigation Provide accurate reporting

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX, an XXXX member of the United States military  and a confirmed victim of identity theft. My personal identifying information was compromised, and several fraudulent accounts, addresses, phone numbers, and hard inquiries have been added to my credit reports without my knowledge or consent. 

I attached my official FTC Identity Theft Report ( # XXXX ), which includes full details of the identity theft. 
Despite providing proper documentation, the credit reporting agencies have failed to block, suppress, and permanently delete the fraudulent information as required under : FCRA 605B ( mandatory blocking of identity theft information ) FCRA 605C ( active-duty military protections ) FCRA 611 ( method of verification & reinsertion rules ) FCRA 623 ( furnisher responsibilities Violations by the Credit Reporting Agencies The bureaus have violated : 1. FCRA 605B Mandatory Blocking Once I submitted my FTC report and supporting ID, the bureaus were required to : Block fraudulent data within 4 business days Delete it from my report Notify furnishers Prevent reinsertion They failed to do so.

2. FCRA 605C Military Suppression Requirements As an active-duty service member, the bureaus must : Add heightened fraud protection Suppress unverifiable information Take immediate action to prevent further harm They failed to do so.

3. FCRA 611 Reinsertion Rules Any deleted data may not be reinserted without proper certification and written notice.

The bureaus have not complied with this process.

4. FCRA 623 Furnisher Violations The furnishers of these fraudulent accounts failed to : Conduct a reasonable investigation Provide accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
On XX/XX/2025, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-23 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: TX

Complaint narrative:
On XX/XX/2025, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-22 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: WA

Complaint narrative:
I submitted a dispute regarding several inaccurate accounts on my consumer report. The response I received was generic and failed to explain the specific procedures used to verify the information, which raises compliance concerns under the FCRAs requirement for a reasonable reinvestigation. I provided a clear basis for my dispute, yet the bureau did not identify what data, documents, or sources were used to validate the reporting. 

I am requesting a complete explanation of how these accounts were verified. This includes : Any documents, data, or records used during the reinvestigation Whether certified or original source documents were reviewed The identity of the furnisher representative the bureau contacted, along with the date, time, and duration of that communication The identity of the bureau employee who conducted the reinvestigation Any information or materials that were shared with the furnisher Without this information, there is no way to determine whether the reinvestigation met the standard of accuracy and completeness required by federal law. If the bureau can not produce evidence showing that a reasonable reinvestigation took place, these disputed accounts must be deleted from my credit report as required when the accuracy of an item can not be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted a dispute regarding several inaccurate accounts on my consumer report. The response I received was generic and failed to explain the specific procedures used to verify the information, which raises compliance concerns under the FCRAs requirement for a reasonable reinvestigation. I provided a clear basis for my dispute, yet the bureau did not identify what data, documents, or sources were used to validate the reporting. 

I am requesting a complete explanation of how these accounts were verified. This includes : Any documents, data, or records used during the reinvestigation Whether certified or original source documents were reviewed The identity of the furnisher representative the bureau contacted, along with the date, time, and duration of that communication The identity of the bureau employee who conducted the reinvestigation Any information or materials that were shared with the furnisher Without this information, there is no way to determine whether the reinvestigation met the standard of accuracy and completeness required by federal law. If the bureau can not produce evidence showing that a reasonable reinvestigation took place, these disputed accounts must be deleted from my credit report as required when the accuracy of an item can not be confirmed.

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 2025-11-22 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: IL

Complaint narrative:
Dear Experian Dispute Department, I am disputing the following fraudulent and inaccurate account reporting under XXXX XXXX XXXX XXXX : Creditor : XXXX XXXX XXXX XXXX Account Type : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid / Closed Late Payments Reported : XXXX Address Reported : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX I dispute this account under FCRA 609 ( e ) ( identity theft ), 611 ( a ) ( accuracy dispute ), and Metro 2 CRA Reporting Guidelines. I did not open this account, authorize it, use it, or sign ANY contract related to it. 
This is a fraudulent account Additionally, the furnisher ( XXXX XXXX XXXX XXXX ) informed me that this entire account, including late payments, would be removed in XX/XX/XXXX. 

It is now XXXX, and the item is still reporting violating FCRA 623 ( a ) ( duty to report accurate information ). Wrong account ownership Wrong payment history Inaccurate late payments No original creditor listed No terms listed No loan details Conflicting status updates Balance shows Account marked Paid, Closed but still showing derogatory history Credit usage unavailable No permissible purpose Under the FCRA, Experian must reinvestigate this account and delete it if the furnisher can not validate it with complete documentation, including : Original signed credit application Identity verification used at opening Full itemization of charges Payment history records Contract or note If they can not verify this, the tradeline must be deleted immediately per FCRA 611 ( a ) ( 5 ). Inaccuracies include

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XXXX XXXX and XXXX XXXX of this year i was emailed XXXX checks for my business, in which i deposited the same day. Bank of America tells me that the checks are processing and i should give it about a XXXX to XXXX days to process. after a couple days i try to log into my account and i realize that my accunt has been closed due to these checks. so i go to bank of america and they let me know that these checks were the cause of my account being closed and that they have flagged me in making any account with them. they later tell me this week when i go back after a few months of waiting like i was told to that i should try to make an account with another bank and if they have flagged me too i should call this number but i wasn't given a number to dispute this claim. On XXXX XXXX i go into XXXX  after making an appointment and they tell me unfortunately they have flagged me in making an accounts well.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found the following incorrect, inaccurate, or unverifiable information on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX transactions were made by XXXX  XXXX  limited in the amount of {$10.00}, XXXX XXXX in the amount of {$4.00}, XXXX XXXX  find my device in the amount of {$5.00}, and XXXX  XXXX in the amount of {$19.00}. all were made through my PayPal account when my phone was stolen. When I found my phone and got it back I changed my password and ordered a new debit card. I disputed the purchases with PayPal and tried to email the companies the purchases were made to and my dispute was decided in the sellers favor and the companies never emailed me back. I know it's not a lot of money but I can not afford this right now with holidays coming and being a single mother. I work hard for my money and need it to be able to survive and provide for my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year>, Westlake Financial misrepresented the status of my auto loan, sent me false written confirmation of a scheduled payment, and then repossessed my vehicle the same night. 

Earlier on XX/XX/XXXX, I scheduled my loan payment and received a written confirmation email from Westlake at XXXX XXXX, showing : Scheduled Payment Date : XX/XX/year> Payment Amount : {$580.00} Confirmation Number : ( included in the email ) This written confirmation gave me every reason to believe my loan had been rescheduled and that no repossession action would occur before XX/XX/XXXX. 

However, Westlake repossessed my car at approximately XXXX XXXX  the same night only hours after sending the confirmation email. 

When I contacted Westlake after the repossession, they told me that the scheduled payment had been canceled by the system at XXXX XXXX. This means Westlake : XXXX. ( XXXX ) Canceled my payment internally at XXXX XXXX  XXXX. Sent me written confirmation anyway at XXXX XXXX  XXXX. Never informed me about the cancellation XXXX. Reposessed my car at XXXX XXXX  XXXX. Only told me about the cancellation after the repossession This sequence demonstrates misrepresentation, failure to disclose material information, bad faith, and unfair or deceptive practices. I relied on their written communication, which clearly stated that my payment had been scheduled for XX/XX/XXXX. Their failure to notify me of any cancellation deprived me of the opportunity to address the issue and directly resulted in the repossession of my vehicle. 

Additionally, a Westlake representative verbally told me earlier that day that I had XXXX more days to make the payment. 

I am requesting : Immediate review and reversal of this wrongful repossession Return of my vehicle Reinstatement of my loan under the previously scheduled terms Waiver of all repossession, storage, and related fees Correction of any negative credit reporting caused by this incident I have attached ( or can provide ) screenshots of the emailed payment confirmation showing the scheduled payment date of XX/XX/year>. 

Westlakes actions were misleading, deceptive, and caused me significant financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV funding LLc will not stop calling to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime is giving out unauthorized transactions XXXX over 6 months even after replacing cards and XXXX XXXX XXXX, the recurring transaction takes XXXX every month for over 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
My credit info was used to try and open XXXX fraudulent credit accounts. I am a victim of identity theft. Please dispute and remove following inquires

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX XXXX issued by Synchrony Bank, and none of the points earned during my first or second statement have posted. I have spent over {$2000.00} on the card so far, yet not a single point has been credited. 

When I contacted Synchrony Bank, I was told they are not responsible for linking my Synchrony account to my XXXX XXXX  rewards accountdespite being the issuer of the cardand was instructed to reach out to XXXX XXXX directly. 

I have contacted XXXX XXXX multiple times, but they have not been able to link my credit card to my rewards account, and I still have not received any of the miles I rightfully earned through my purchases. 

I am requesting immediate assistance to resolve this issue and ensure that all earned points are properly credited to my account.

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have no knowledge of this XXXX $ collection Id like to see my signed signature or initials on any documents pertaining to this collections.

Company response to consumer: Closed with explanation