vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I am requesting an investigation into the Citizens Pay/Wayfair account being reported on my credit file. This account was related to furniture that was financed through Citizens Pay. The items were returned or no longer in my possession due to poor quality, and I should not be held liable for the remaining balance. The account is being reported as a charge-off even though Citizens has not provided clear verification of the balance, dates, or ownership details. 

Despite multiple attempts to resolve this issue directly with Citizens and through the CFPB, the responses received have been inconsistent and incomplete. I am requesting that this account be permanently deleted from all credit reporting agencies since the information can not be verified accurately under the Fair Credit Reporting Act ( FCRA 611 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX Email : XXXX Phone : XXXX Complaint Against : Equifax Information Services XXXX LLC Address : XXXX  XXXX XXXX, XXXX, GA XXXX Summary of Complaint : On XX/XX/XXXX, I submitted a formal dispute letter to Equifax under the Fair Credit Reporting Act ( FCRA ), citing numerous inaccurate, unverifiable, and outdated accounts. As of today, XX/XX/XXXX, Equifax has failed to respond within the legal XXXX time frame. No reinvestigation results were provided, no deletions were made, and no proper action was taken. This blatant inaction is a direct violation of multiple FCRA sections and my rights as a consumer. Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : No reinvestigation was initiated within 30 days. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Unverifiable accounts were not deleted. FCRA XXXX : Equifax failed to notify me of any reinvestigation results or outcomes. Accounts Still Reporting with No Reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXX at XXXX XXXX Account # : XXXX {$400.00} XXXX. XXXX XXXX # XXXX Account # : XXXX {$4800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2400.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$3200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$1800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2000.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2100.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX {$160.00} Charge-off Requested Relief : I am requesting that the CFPB initiate enforcement action against Equifax for refusing to follow FCRA dispute requirements. These accounts remain without validation or reinvestigation, and I expect full deletion per FCRA XXXX or I will escalate to legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for the Citi XXXX XXXX credit card and followed every instruction Citi gave me. I submitted IRS Form 4506 on time, confirmed multiple times that it was received, and was even told by email that once my information was verified, the block would be lifted, my annual fee waived, and XXXX points added. 

After a few weeks, Citi verified my information and unblocked my account but then, without warning, they closed it. No one could tell me why. Now my credit report shows a closed account with an annual fee balance, and Im left without answers. 

Whats worse, I cant shake the feeling that this happened because of who I am. XXXX XXXX, and some of my interactions with Citi representatives made me feel dismissed and unwelcome. Its hard not to see a pattern, especially after hearing about other XXXX or XXXX  customers facing similar situations. 

I want Citi to explain why this happened and to be held accountable if discrimination played any role in it.

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 2025-10-31 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:
These are inaccurate items. They show as late payments.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Complaint Against : JPMorgan Chase Bank , N.A . 

My name is XXXX XXXX, and I previously had a checking account with Chase. I am filing this complaint regarding the closure of my account and the withholding of funds from a check that Chase accepted and processed. 

My best friend, who was going through financial hardship and did not have a valid ID at the time, asked for my help to cash his pension check. He endorsed the check to me, and I deposited it into my Chase account in good faith. Chase informed me that the check would clear and the funds would be available within two weeks.

After waiting the full two weeks, I was surprised to find that my account had been suddenly closed without prior notice. When I contacted Chase for an explanation, they told me they were unable to verify that the check was legitimate. 

To resolve the matter, my friend later obtained a valid ID, and we both went to a Chase branch to verify his identity and legitimacy of the check. Chase then asked for a phone number under his name, so my friend obtained one through XXXX. Even after that, Chase still refused to verify the check or release the funds. 

We even arranged a three-way call between Chase and the pension company that issued the check to confirm its authenticity. Despite direct verification from the issuing company, Chase still refused to release the funds or return them to the pension provider. When we contacted the pension company again, they informed us that because Chase had already cashed the check, they could not reissue payment. 

As a result, Chase is holding funds that rightfully belong to my friend, and neither of us has been able to recover the money. I am seeking assistance from the XXXX  to help resolve this matter and ensure Chase either releases the funds or returns them to the issuer so the payment can be properly reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CT

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been ongoing and continue to negatively impact my life and credit score, preventing me from achieving financial freedom and stability. It is disheartening and unacceptable that such incorrect information remains on my report despite my efforts to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX In total {$2000.00} worth of XXXX  where transferred to a scam website called ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Per the terms of the Truist Confidence Account, the XXXX XXXX  monthly maintenance fee is waived if " {$500.00} or more in total deposits per statement cycle '' are made. I've twice now been charged a fee. The first was waived " as a courtesy '' they said. They agreed, I was incorrectly charged. But the second fee, is not being waived, even though I meet the terms they set forth for the account fee waiver. I've attempted to discuss this with them to no avail from their online agents on XXXX different occasions. As this is a new account and only been open for 2 months, and already assessed XXXX fees, I feel this practice will continue without correction or more escalated involvement.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing a complaint regarding the handling of my Citi XXXX XXXX credit card account. 

After my application was approved, I was asked to submit IRS Form 4506 for income verification. I submitted the form on time and called several times to confirm that it had been received and was being processed. During these calls, your representatives assured me that the form was accurate and in order, despite my awareness that I had filled one section incorrectly.

Instead of allowing me the opportunity to correct the form, I suspect that an incorrect submission was used, which ultimately led to the closure of my account. I am left questioning whether my information was actually verified before the closure or whether an error in handling the form was intentionally or unintentionally used as a reason to close my account. In either scenario, I feel that I was treated unfairly and possibly discriminated against. 

I am extremely disappointed by how this matter was handled. I request that my account be reopened immediately, or that Citi reprocess the original form if it was handled incorrectly by your representatives. The closure of my account has negatively affected my credit report, leaving a balance for the annual fee, which is both unfair and damaging. 

I ask that a Citi representative investigate this matter thoroughly, provide a clear explanation, and take appropriate steps to correct the situation, including reopening my account if my information was verified or reprocessing the form if errors occurred on Citis side.

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 2025-10-31 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: CT

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been ongoing and continue to negatively impact my life and credit score, preventing me from achieving financial freedom and stability. It is disheartening and unacceptable that such incorrect information remains on my report despite my efforts to correct it.

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 2025-10-31 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: CT

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been ongoing and continue to negatively impact my life and credit score, preventing me from achieving financial freedom and stability. It is disheartening and unacceptable that such incorrect information remains on my report despite my efforts to correct it.

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 2025-10-31 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: FL

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX To : Equifax XXXX. Box XXXX, XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX To : Equifax XXXX XXXX  XXXX, XXXX, GA XXXX : Equifax XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : FCRA/FDCPA Dispute and Validation Notice Immediate Investigation Required The following accounts are being disputed as inaccurate, unverifiable, or incomplete under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX {$19000.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX {$580.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX {$16000.00} ( XXXX  XXXX  XXXX XXXX XXXX ) XXXX. XXXX {$250.00} ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX To : Equifax XXXX. Box XXXX, XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX To : Equifax XXXX XXXX  XXXX, XXXX, GA XXXX : Equifax XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : FCRA/FDCPA Dispute and Validation Notice Immediate Investigation Required The following accounts are being disputed as inaccurate, unverifiable, or incomplete under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX {$19000.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX {$580.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX {$16000.00} ( XXXX  XXXX  XXXX XXXX XXXX ) XXXX. XXXX {$250.00} ( 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 2025-10-31 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies and the following furnishers for reporting false, inaccurate, and unauthorized information on my credit report. These errors are causing me financial harm, denial of credit, and emotional distress. The information being reported is not accurate, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and the Consumer Financial Protection Act of XXXX. 
WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX, CA XXXX Wrong Address According to FCRA 609 ( a ) and 611, I have the right to dispute any information that I believe is inaccurate or incomplete. The following accounts and inquiries are either falsely reported, unauthorized, or incorrect, and must be immediately verified or removed if proper documentation can not be provided ACCOUNT DISPUTES : XXXX XXXX Reported as Charge Off High Balance {$24000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account, and I never authorized or opened any account with XXXX. This is an identity or reporting error and must be deleted immediately if no verifiable contract or original application is provided under FCRA 623 ( a ) ( 3 ) and 611 ( b ). 

XXXX XXXX Late Payment High Balance {$2000.00} Date Opened : XX/XX/XXXX This account is incorrectly reported as having late payments. I have never made any late payments, and the status is false. Please update and correct the payment history to show a perfect on-time record under FCRA 607 ( b ) for maximum possible accuracy. 

XXXX XXXX Late Payment High Balance {$60.00} Date Opened : XX/XX/XXXX Same issue : this late payment status is inaccurate and must be corrected immediately as I have always paid on time. Please verify or remove the negative mark under FCRA 611 ( a ). 
REQUEST FOR CFPB ACTION : I am requesting that the CFPB initiate a full investigation into the reporting practices of the furnishers and the credit bureaus. I demand the removal of all false addresses, the deletion of all unauthorized inquiries, and the correction or deletion of all inaccurate account data. Each bureau should provide proof of verification within 30 days, as required by FCRA 611 ( a ) ( 1 ).

If the credit bureaus and furnishers fail to comply, I request that the CFPB hold them accountable under FCRA 616 and 617, which allow for civil liability and statutory damages for willful noncompliance. 
Thank you for your time and assistance. I trust the CFPB will ensure that my consumer rights are protected and that all inaccurate information is promptly corrected.

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 2025-10-31 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: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a XXXX validation from the furnisher.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood knowingly, willingly and intentionally locked my funds in my account by applying some type of reward I never authorized or asked for. The reward appears to be minimal less than {$10.00}. I tried to transfer my money out since it cleared the bank and robinhood but Robinhood employees REFUSED to remove the restriction or reward ( I never asked for this, applied for the reward, or authorized this ). The support team is claiming they CANT find or remove the reward and in turn whatever this problem is has 100 % locked my crypto. Due to this I took a {$3000.00} loss today because they refused to give me my money that is rightfully mine. This is illegal and they need to repay back the money they caused me to lose, they are STILL refusing to unlock my funds and rewards to give me my money. I want my money back they basically scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation