vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, our Citi Private Client Relationship Manager, XXXX XXXX, opened a 3 month 4.25 % APY savings account because we have been doing this on a 3 month rolling bases with Citi in 2025. On XX/XX/XXXX, we transferred {$25000.00} from another bank to Citi to qualify the terms of New To Bank and within 10 days of account opening. On XX/XX/XXXX or XXXX, XXXX called us to confirm that those funds and timing of transferred complied with the Terms and Conditions. 

On XX/XX/XXXX, I logged onto the account and found out that Citi dropped the rate to 0.12 %. I called XXXX and she said they dropped it on XX/XX/XXXX. She submitted a rate exemption and then went on leave for two weeks. She promised it would be resolved by early the following week. 

During the weeks of XX/XX/XXXX and XXXX, I worked with XXXX 's backup as the rate exemption request was denied because our outside bank labeled the ACH transfer as " Instant Payment '' instead of ACH. Since it was clearly outside funds from another bank, he submitted two more rate requests. I visited the branch on XX/XX/XXXX to see XXXX and she was unhelpful. Citi reinstated the rate on XX/XX/XXXX back to 4.25 % but they have not credited the account. I should be receiving {$1200.00} more for XXXX interest. As well as the compounding interest from XXXX XXXX present. 

Then on XX/XX/XXXX, I received a letter saying we did not qualify for the rate because of the outside bank 's wording, but our 4.25 % rate is still there so we have no idea what is going on. 

The humans at Citi realize we abided by the terms and conditions and XXXX said the credit would be posted by today XX/XX/XXXX. But the entire Citi system is unhelpful and we have been a loyal client for over 20 years. I have lost a lot of time and money on this.

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 2025-09-12 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
i have made payments to different bills and when the time of me asking them to pay my bills by doing so online when the XXXX party comes to take payment they say i have no funds to cover that payment. however the day i tell them to make that payment even if its early .. they reomove that amount of money from my acct i recieve a text message also saying i have paid this. they have done this to 3 of my accounts and it has costed me late fees and a credit card i just qualified for because of them not being able to collect theiir payment. also tghe money is taken from the account as soon as i say make a payment, however it is not shown on my statements of ever being returned it shows it leaving but nothing being returned to my acct. and also i have been in a dispute with XXXX for going on 7 months because of their dispute division cant read or is not reading all the information that i have sent in many times and even discussed this their agents and when they can not answer my questions they hang up on me, after me asking them to tell me why is it taking so long to get this dispute done, i have even gone as far as talking to XXXX and they have succeeded that i was done wrong and yet, my bank cant even call them to verify or open the files i have uploaded that shows XXXX errored in total paymen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have a collection on my account added recently that Im not aware of and doesnt belong to me! I never had a card with that company before I was a victim of identity theft a few years back when my phone was stolen and this is affecting my credit profile negatively please remove or send to correct person responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: USCB Corporation
State: OR

Complaint narrative:
USCB has been calling me at illegal hours for years, including as early as XXXX XXXX XXXX on XX/XX/XXXX. Calls come from XXXX, which is listed on USCBs own website as their contact number. I attached a screenshot of my phone log showing the early-morning call and a screenshot of the USCB website showing the same number. 

I already filed complaint # XXXX earlier, but USCB responded that " it does not belong to them. '' That is not true, the number is directly tied to their website. 

I live in XXXX, so the calls outside XXXX XXXX XXXX violate the FDCPA. I also have logs of repeated calls since XXXX, many before XXXX. 

This shows a clear pattern of abuse, misrepresentation in their prior CFPB response, and ongoing FDCPA violations.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding accounts listed on my credit report that I did not authorize. These fraudulent accounts are entirely false, misleading, and harmful. Their presence misrepresents my credit history and damages the integrity of my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

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 explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious 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 explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am disputing the reporting of student loan accounts on my credit report due to inaccurate and potentially misleading information related to payment history, deferment status, and account balances. Some accounts show late payments during approved deferment or forbearance periods, and others contain conflicting details across different credit reporting agencies. 
Despite multiple disputes with the loan servicer and credit bureaus, I have not received adequate documentation or verification proving the accuracy of the reported information. These failures to correct errors continue to harm my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ) and Higher Education Act, student loan servicers must report accurate, complete, and up-to-date information reflecting the borrowers true status. Additionally, the Family Educational Rights and Privacy Act ( FERPA ) protects the privacy of my educational records, which includes information related to my student loans and financial aid. Any disclosure or reporting of my student loan data must comply with FERPAs privacy protections, ensuring that my personal and educational information is handled lawfully and with proper authorization.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
XX/XX/year> I went on www.freecreditreport.com I entered my Social Security and answer all the verification part one and the information that was given was correct. The second verification was showing a wrong email and phone number that I dont recognized.

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 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: IL

Complaint narrative:
{$4000.00} amount loan was taken out that are predatory loans for federal employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open
end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently discovered that someone used my identity to open credit accounts and incur debt without my consent. I was out of the country studying until late 2022, and when I returned, I found myself responsible for debts I did not create. This has negatively affected my credit score, and I continue to receive notices claiming I am responsible.

I am requesting urgent assistance to investigate this matter, remove fraudulent accounts from my record, and restore my credit. I can provide documentation to support my claim. 

Thank you for your attention and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was hacked. 
On XX/XX/year>, PayPal notified me that someone tried to access my account without my permission and temporarily limited its features. After that, several transactions appeared in my account that I did not authorize, resulting in a negative balance of {$790.00}. 

I filed a case through the Resolution Center. PayPal first flagged the activity as suspicious, but later stated there was no unauthorized use. These communications directly contradict each other. 

I never received any funds, goods, or services from these transactions. The {$790.00} balance was created in error, and I also lost {$50.00} from a transaction I did not authorize. 

I request CFPB to require PayPal to : 1. Remove the negative balance of {$790.00}.

2. Refund the {$50.00} unauthorized transaction.

3. Provide full documentation of PayPals investigation.

4. Close the compromised account so that fraudsters can not use it again, and allow me to open a new account safely. 

My PayPal account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : XXXX  and Transunion Dispute of accurate Credit Reporting XXXX XXXX  XXXX  XXXX Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by XXXX  and Transunion concerning my REAL ESTATE Mortgage account with XXXX XXXX XXXX XXXXXXXX. XXXX  recently deleted my real estate XXXX MXXXX Account Information : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : 276 months ( 23 years ) Payment History : 100 % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : XXXX  and Transunion recently deleted this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. Requested Resolution : Reinsert the reporting of my XXXX XXXX XXXX XXXXXXXX account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : 100 % on-time I respectfully request that this matter be investigated promptly and that XXXX  and Transunion be directed to correct accurate information. Please notify me in writing once the investigation is complete. Thank you for your assistance in ensuring fair and accurate credit reporting. 
Sincerely, 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