vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding First Citizens Bank, which has failed to resolve multiple valid billing disputes and continues to withhold the remaining funds that are owed to me. Despite more than 90 days of repeated contact, partial resolutions, and ongoing communication, the bank has refused to issue the remaining credits associated with unauthorized or improper charges from XXXX XXXX and XXXX XXXX XXXX. 

First Citizens Bank has already credited some of the disputed transactions, yet the following dispute case numbers remain open, uncredited, and entirely ignored : XXXX XXXX XXXX XXXX XXXX All of these disputes were filed at the same time and under the same circumstances as the transactions the bank has already processed. The banks refusal to issue the remaining credits has now extended beyond the regulatory deadlines and has resulted in my money being withheld for well over 90 days.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and California Civil Code 1747.50 et seq., financial institutions are required to investigate and resolve billing disputes within two billing cycles, not to exceed 90 days. First Citizens Bank has failed to comply with these requirements, and the delay now constitutes a violation of both federal and state consumer protection laws.

I have made multiple attempts to resolve this directly with First Citizens Bank, but they have failed to take appropriate action or provide any meaningful response. Their continued withholding of my funds has caused substantial inconvenience and financial hardship. 

I am requesting the CFPBs assistance to : XXXX. Require First Citizens Bank to immediately complete the investigation and release the remaining credits owed. 
XXXX Review the banks noncompliance with dispute-resolution regulations. 
XXXX. Ensure the bank provides written confirmation of all corrected and credited transactions. 

Attached is a detailed summary of the dispute case numbers and the communications I have previously sent to the bank. 

Thank you for your attention to this matter. I respectfully request prompt intervention so that First Citizens Bank is held accountable for failing to comply with federal and state requirements and for withholding my money beyond the legally permitted timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The company refuses to remove fraudulent information The company continues to report information that is known to be inaccurate The company did not properly investigate your dispute A debt collector furnished inaccurate information A company under government action is still reporting/collecting

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The company refuses to remove fraudulent information The company continues to report information that is known to be inaccurate The company did not properly investigate your dispute A debt collector furnished inaccurate information A company under government action is still reporting/collecting

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 2025-11-16 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX BALANCED $ {$0.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED $ XXXX included in regular letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
In XXXXXXXX XXXX I applied for the Citi XXXX XXXX % balance transfer card online. I was immediately approved. During this session I also submitted my balance transfer bank details online. 

XXXX days later I contacted Citi Customer Care ( CCC ) to update my mailing address. Because USPS does not deliver mail to my physical address due to its rural location, I have a PO box .

Citi had already mailed the card to my physical address.

CCC can not verify my identity over the phone because they can't send a one-time pass code to my cell ( yet they send texts that my card is on its way ). So CCC sent a letter with a verification reference number to my PO box ( ironically ). CCC asked that I call back when I receive the letter to verify my identity. 

I've done this XXXX times so far with CCC. However they continue to send the credit cards to my physical address. Why? They manage to send the verification letters to the PO box , but send the cards to the physical address.

I'm awaiting my third verification letter from CCC. This identification loop is driving me mad. 

I need resolution as soon as possible so I can pay my bill.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a formal complaint against Affirm , IncXXXX for multiple violations of the CARES Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ), based on the inaccurate, unlawful, and negligent reporting of my consumer credit accounts during the XXXX pandemic. 

The affected accounts are as follows : Account No. XXXX Account XXXX. XXXX Account XXXX XXXXXXXX Account XXXX. XXXX Account XXXX. XXXX Each of these accounts was negatively reported or charged off between XXXX and XXXX, despite my documented hardship and attempts to communicate with Affirm during the XXXX crisis. 

Details : Between XX/XX/XXXX and late XXXX, I lost my employment as a direct result of the XXXX XXXX. In compliance with the XXXX XXXX guidelines, I contacted Affirm to report my financial hardship and request payment accommodations. Despite my communication and my efforts to make payments, Affirm failed to honor the CARES Acts protections for consumers under financial hardship, and instead : Continued to report late payments and delinquencies during the accommodation period ; Failed to suppress negative reporting during my COVID-related hardship ; and Ultimately charged off multiple accounts even while I was under active hardship communication or attempted payment arrangements. 

This is a direct violation of Section 4021 of the CARES Act, which amended the Fair Credit Reporting Act to require that furnishers of credit information maintain accurate reporting for consumers who receive accommodations or payment arrangements during XXXX. Specifically, if an account was current before an accommodation, the furnisher must continue to report it as current during the accommodation period. Affirm failed to comply with this federal requirement by reporting multiple late payments and charge-offs, effectively penalizing me for circumstances that were protected under federal law. 

The continued reporting of late payments and charge-offs during this period has caused significant damage to my credit history and financial stability. Affirms actions constitute inaccurate furnishing, negligent reporting, and noncompliance with federally mandated CARES Act consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I attempted to withdraw funds from my Coinbase account. I linked my bank account via XXXX XXXX separate times back to back, as can be confirmed via text messages sent to my phone to confirm the linking of such accounts. Despite completing these steps, Coinbase failed to provide funds available in my account for withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: MS

Complaint narrative:
In XX/XX/2022 I got robbed by family members for XXXX XXXX dollars and now my money is missing and I dont have a way to get because my account was switched by someone else, Im requesting my social security number be switched and my money back in my current accounts. XXXX XXXX and Cash app were the account XXXX XXXX in each.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AL

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

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 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I sent letters and messages. To all credit report agencies they dont remove my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally request a reconsideration and escalation of my denied debit-card fraud claim relating to unauthorized transactions that occurred on XX/XX/year>. 

I reported these transactions to Chase immediately and submitted all required documentation, including a police report confirming the fraud. Despite this, my claim was denied without sufficient explanation or evidence supporting the decision.

Under Regulation E ( 12 CFR 1005 ), Chase is required to : 1. Conduct a reasonable, good-faith investigation of unauthorized electronic fund transfers ; 2. Consider all evidence provided by the consumer, including police documentation ; 3. Provide copies of all evidence used to determine liability if requested ; and 4. Provide a written explanation of the denial.

At this time, I am requesting the following : 1. A complete copy of the investigation materials, including merchant documentation, transaction logs, device/IP data, or signature records used to determine that these transactions were authorized.

2. A written explanation detailing how Chase reached the conclusion to deny the claim despite the police report confirming fraud. 
XXXX. A full reconsideration of my fraud dispute based on the evidence and your obligations under Regulation E.

The transactions in question were not authorized by me in any way, and I have fully cooperated with the investigation. Denying my claim without providing supporting documentation does not satisfy the requirements of a reasonable investigation under federal law.

If this matter can not be resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) for further review.

I am requesting a written response within 10 business days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation