vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been trying to transfer this Rollover IRA account from Citibank to XXXX since XXXX, but each time I attempted in the past, I was met with so much confusion, shifting requirements, and inaccessibility that I gave up. In XX/XX/XXXX, I committed to completing the transfer and have been extremely persistent and cooperative throughout the entire process. 

I began the transfer process again on XX/XX/XXXX. Citibank required me to complete various application and identity verification documents, which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I faxed the additional documents they said were needed ( SSN card, W-2 forms, etc. ). On XX/XX/XXXX, a representative acknowledged that all documentation had been received and that my account activation should take XXXX business days. I have called nearly every single day since XX/XX/XXXX, and despite constant assurances that the issue was being escalated, no action has been taken. 

On XX/XX/XXXX, I visited a XXXX branch in person to submit the official XXXX transfer form, including my signature and a XXXX XXXX XXXX, as required by Citibank. XXXX has confirmed that the completed form was submitted to Citibank. Still, my account remains pending as of XXXX XXXX full six weeks since this process began.

I have received no written communication from Citibank at any point in this process. I am unable to access my account online or through their phone system. When I call Citibank 's Retirement Plan Services number, the automated system does not recognize my Social Security Number or account number, and I am forced to speak to a representative every time just to confirm that my account even exists. Even today, this is still the case. 

On XX/XX/XXXX, I was finally connected with a supervisor named XXXX, who admitted they do not know what is happening in the back office but claimed the account should be activated soon. That is the same message Ive received for weeks, without resolution.

I have submitted a government-issued ID, SSN card, W-2 forms, application forms, and verified transfer forms. Citibank has no justification for continuing to delay my ability to access or transfer my retirement funds. I am requesting immedia
te activation of my Rollover IRA account and for the direct trustee-to-trustee transfer to XXXX to be processed without further delay.

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 2025-07-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-18 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: GA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I have a history of timely payments, so seeing a late payment is confusing and troubling. Kindly remove it swiftly to ensure my record is correct.

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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A post card came in the mail for me about XXXX to XXXX  year or more ago, telling me that my name has come up in something dealing with Wells Fargo Bank. It said we are lawyers and we need you to just sign and date this consent and mail it back to us and the deadline is I can't remember the date, and if you have any questions you can contact us.I think it was about a month later when I sign and dated the back of the post card it was a day before the deadline.Then I called the number on the card to see what is going on. They told me that it was going to be a class action lawsuit with Wells Fargo and why they wanted me to sign and date it so that they needed my consent to see what they done to me they just was contacting people who names were there to contact them later they could tell me more. So about a month later I called them again and that is when they started to tell me. They said that Wells Fargo had opened up XXXX unauthorized accounts in my name and were stealing money and using the accounts to keep the stolen money in them accounts About XXXX years later I start reading through it online about the Wells Fargo scandal and I will call him periodically to see what was going on and what I was going to give when I was going to get it or whatever and they told me that they didn't know I'll just get a check one day in the mail and they got my information my name address phone number and told me if I move or whatever to call them and updated and about XXXX or XXXX XXXX years later like around XXXX XXXX or something like that and that they told me that whatever I get in the settlement that it'll be times XXXX because I would get the same amount XXXX times because that it was XXXX accounts unauthorized that they opened in my name and I only got XXXX and it was only {$250.00} for what all they did to me and I still think about it every single day you know and I feel like I'm worse than what they did to me is worth more than any {$250.00} and so that's why I'm coming to y'all for help

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 2025-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I never received notice of past due balance. I wasnt aware of their system glitch that they ended messing up my balance on the apartment and provided me a credit i was not suppose to get. No collection calls or notice that i owed a debt and sold my information violating my privacy to a third collection company without my concent. They did not advised me that i had a balance. I need proof of this balance if no proof such as collection letters. Preof of collection effort i demand this to be taken off from my credit reporting. Attach is what the property told me. It was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified, and no proper documentation was provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXXXXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX  Original Creditor : XXXX AVANT WEBBANK XXXX * Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XX/XX/2025, I submitted a CFPB complaint on inaccuracies on my Equifax Credit Report case # XXXX, and it was closed shortly after, as basically accurate or verified. So, I contacted XXXX, and their findings were unverified, so how is that possible??? Equifax continues to conduct a " XXXX XXXX ''. I have enclosed a copy of a report from XXXX with their findings. I've been trying to explain the inaccuracies on my Equifax Credit Report, but they continue to send me that it was verified or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Eastern Account System, Inc XXXX 
XXXX  XXXX XXXX XXXX, XXXX  XXXX RE : Immediate Deletion Demand Account # XXXX {$420.00} To Whom It May Concern, This letter serves as formal notice of dispute regarding the account listed under Account Number XXXX, in the amount of {$420.00}, which you are currently reporting to the credit bureaus in connection with my name and Social Security number. 

Let me be absolutely clear you have failed to legally validate this alleged debt, and your reporting and collection efforts are now in direct violation of multiple federal laws. A bill or statement from a previous creditor does not meet legal standards for debt validation. 

You are in violation of the following federal laws : 15 U.S. Code 1692g ( b ) Collection activity must cease until full and proper debt validation is provided.

15 U.S. Code 1681s-2 ( a ) You are responsible for reporting only accurate, verified information to credit reporting agencies.

UCC 3-501 I hereby demand the original wet signature contract associated with this alleged debt.

UCC 1-308 I fully reserve my rights without prejudice under the Uniform Commercial Code.

You have failed to provide : A legally binding contract bearing my signature showing consent to this debt. 
A detailed breakdown of how the balance of {$420.00} was calculated. 
Documentation proving your legal right to own or collect on this account. 
Proof of your license to legally collect debts in the state of Arizona. 
Your Legal Obligation : You are hereby demanded to delete this account from Experian, TransUnion, and Equifax within 15 calendar days of this letter. 

If not resolved, I will take the following steps without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Notify the Federal Trade Commission ( FTC ) and the Arizona State Attorney General. 
Pursue civil legal action for willful noncompliance and damages to my credit and emotional distress. 
This is your final warning to cease all collection activities and to immediately delete this unverifiable trade line from my credit profile. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX  my paycheck was deposited into my Chime bank account in {$1700.00}. I had an overdraft fee which brought my check down to {$1600.00}. One minute after my check was deposited at XXXX XXXX my entire check was transferred to an unknown XXXX in the amount of {$1600.00}. I immediately called Chime and filed a dispute. XXXX days on the XXXX it was denied citing that no error was found. I called back and reopened the dispute only for it to be denied again XXXX days later. This continued another 6 times every XXXX days of me reopening disputes and providing them documentation which included : Emails from Chime days prior stating there was a sign in to my account from states XXXX miles from me ( I live in IL, sign ons were from New Mexico and Denver ), a XXXXXXXX XXXX location of my location, a police report, a report filed with the FBI cyber fraud, a transacted conversation with XXXX, the company in which my funds went to, stating the I have no account with them and a written statement with dates and times of the situation. I have no been refused 6 times from Chime with them barely looking into the fraud due to them denying my refute 2 days after I filed each dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
My credit is low Im paying garnesmets back that I havent took ok or no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently identified a fraudulent account being reported under my credit profile. I did not open this account and have no association with it.

Company response to consumer: Closed with non-monetary relief