vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Consumer beware - does XXXX have XXXX banks? Citibank is terrible and I can not emphasize enough the frustration and disappointment I have experienced working with this lower-tier financial institution. I have had my number stolen at least 6 times, resulting in cancellation of the account and reissuing of a card- which is extremely disruptive! Citi couldnt care less and has made no attempt to improve security. 

My most recent headache - I called 2 weeks ago because I noted unauthorized charges of {$9.00} on the XXXX of every month to a vendor named XXXX. Citi cancelled my card number and reissued a new number, which seems to be their answer to any problem. I also initiated disputes for the previous 6 months of unauthorized charges to this same vendor. 

On first glance, this appears to be a subscription to XXXX premium service, for which I do not have an account. I contacted XXXX and they attempted to locate my account using the last 4 of my card number and expiration date, but they XXXX was unable to find it. This now appears to be a fraudulent vendor who had named itself XXXX and charged a monthly fee in an attempt to disguise themselves. 

I called Citi 2 weeks ago and informed them of this situation. I specifically asked on their recorded telephone line to NOT forward the updated card info to recurring vendors. I asked a second time before the call ended and their representative confirmed she had made the necessary transaction in their system to prevent automatic updates to subscriptions. XXXX and behold, I just received another {$9.00} recurring charge from XXXX on my new card number. 

What is going on at Citibank? How inept does this companys operations need to be before CFPB or 2 weeks later I have seen no progress on the disputed charges ( when are they going to wake up and act on that? ) and once again I had to ask them to cancel my number and reissue a new card. I would love to cancel altogether but their manipulative and unfair rewards rules means that I would forfeit several XXXX dollars of accrued rewards if I cancel before XXXX of XXXX. How is that legal?

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 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8800.00}

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 2025-06-11 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of the suppression placed on my credit report. This is my * * third * * attempt to have this matter resolved. Despite previous requests, I am still unable to access or view my credit report, which is causing undue hardship and affecting my ability to manage my financial affairs.

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 2025-06-11 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-06-11 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: NY

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-11 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: NY

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, DE XXXX ( XXXX ) XXXX | XXXX XX/XX/year> LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Disputed Accounts - # XXXX, # XXXX, # XXXX, # XXXX Via : Certified Mail - Return Receipt Requested Dear Sir or Madam : I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to dispute the validity of the alleged debts referenced above and to request full debt verification. Until you furnish the documentation described below, you must cease all collection activities and reporting to the credit reporting agencies. 
Items Required for Verification 1. Proof of Ownership & Authority - A complete chain of title from the original creditor to LVNV Funding LLC, including any bill-of-sale and forward-flow or purchase agreements.

2. Original Creditor Documentation - A legible copy of the signed contract, application, or other instrument bearing my signature that created each alleged obligation. 
- An itemized accounting showing the principal, interest, fees, and payments applied since account inception. 
3. Statutory & Contractual Details - The date of last payment or charge-off so I may confirm the statute-of-limitations status in Delaware. 
- A statement of the applicable choice-of-law provision behind any claimed contractual interest or fees. 
4. Credit-Bureau Reporting - A copy of any information you have supplied to Experian, Equifax, TransUnion, or Innovis, and written confirmation that each tradeline will be marked " Disputed '' until verification is completed.

5. Collector Licensing ( if applicable ) - Proof of any state collection-agency licenses held by LVNV Funding LLC or Resurgent Capital Services in XXXX 
Under 1692g ( b ) you are required to suspend collection efforts until these materials are provided. If you can not produce them within 30 days of receipt of this letter, please close the accounts and instruct all credit bureaus to delete the associated tradelines. 
Kindly send all correspondence to the address above or by email, and do not contact me by telephone except to schedule service of documents I have requested. 
Sincerely, ______________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I booked a home to rent using XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a host named XXXX and XXXX in XXXX, XXXX. On XX/XX/year> I contacted the hosts letting them know that XXXX XXXX had cancelled our flights to XXXX. I told her that I would try and rebook the flights but I might need to cancel. The host, XXXX, told me " no worries, we are easy going ''. I told her that I would try and rebook the flights on this day and there were no flights available with XXXX, so I cancelled the trip within XXXX hours of letting her know there was an issue to not tie up their house. They only refunded me half of the amount of the booking because they say that their cancellation policy is within XXXX hours of booking, but I did let them know within XXXX hours of booking and she in no way said I needed to get it cancelled or I'd be charged. I was trying to see if we could make it work and not tie up their house, but I couldn't. She told me they were flexible and I believed that meant I had another XXXX hours to see if I could get the tickets. The total charge was for {$7000.00} and they refunded {$3600.00}. I am left with a charge of {$3300.00}. I contacted American Express to dispute this charge and provided them with all the information and they closed the dispute in XXXX XXXX XXXX XXXX  favor. I understood after messaging the host that I had another XXXX hours and would be refunded the total charge and I explained all this to American Express, but they still won't remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XXXX, I submitted a domestic wire transfer from my Ally bank account to my title companies bank account- as this was needed for closing on a new house. The funds were supposed to be delivered after one business day- this wouldve been on XXXX. It is now XX/XX/XXXX & the funds still have not been delivered. I close on the home tomorrow XX/XX/XXXX and the funds still have not been delivered to the title company.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/year> I, XXXX XXXX Federally protected Consumer and Natural person extended credit to XXXX XXXX XXXX using my credit card ( XXXX XXXX XXXX ( l ) ) They furnished a deceptive form ( XXXX XXXX XXXX ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. Said debt collector has sold the debt XXXX times to different debt collectors while simultaneously reporting from XXXX different debt collectors at the same time. I sent XXXX XXXX XXXX and XXXX XXXX a notice to cease and desist and a notice to validate the debt which they have failed to abide by. XXXX XXXX XXXX and XXXX XXXX is now civilly and criminally liable for violating my consumer rights. XXXX XXXX XXXX and XXXX XXXX has yet to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXXXXXX XXXX XXXX  - Account number - XXXX Balance : {$9400.00} - Date opened : XX/XX/year> 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 2025-06-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : 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 2025-06-11 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief