vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I made a {$10000.00} payment to XXXX ( XXXX ). Before depositing, I told their support I was located in Nevada, a restricted state. The agent told me I could still play as long as my account showed a different state, like California even without a XXXX. Based on that, I went ahead. 

I later found out I should not have been allowed to access the platform at all. I filed a dispute with Navy Federal, but they denied it, saying I received the service. They didnt consider the fact that I was misled by the merchant or allow me to submit screenshots of the chat.

Im not denying I authorized the payment Im asking for a fair review based on misrepresentation by the merchant, who let me gamble from a restricted state after I disclosed my location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
From day one this bank has been trouble since day one and I was going to switch but decided to try with them because no ones perfect. This is what happened yesterday on XXXX XXXX  : I called Citibank to let them know that I was being scammed and to please block this company from depositing a check into my account that was {$350.00} because it was going to be a scam and I didn't want any bad business going to them so instead of working with me on this matter they are terminating my account which is absolutely fine with me but I'm wanting a check {$1700.00} not to take 30 - 60 days for me to receive it. Now as far as understanding these next complaints I'm still trying to do it. I don't have a checkbook nor overdraft protection but yet I'm receiving collection letters from XXXX XXXX  and I'm not understanding how can this happen because I use a debit card only and I don't know anything about the collection until I receive it in the mail but yet no one tried calling me about this matter. I paid my XXXX  XXXX and it was discontinued a week or two later so I called XXXX and they informed me that Citibank recalled the money and then proceeded to tell them about my account information and how they were going to have to charge me {$30.00} NSF charges and the amount for that was around {$140.00} so then I called the bank and asked them why they did that and they told me they did that and they told me that XXXX did but I've never heard of a business calling to return a payment they received especially when they had the funds to pay for it so the bank told me that they refunded me the money and posted it on my account but I told them that made no sense because they shouldn't have recalled it in the first place plus the money they refunded me was short only a couple of dollars but still short. Everyone I know has problems with this bank and I feel like I along with other 's have been ripped off

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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX the business loans originated on behalf of XXXX XXXX XXXX. At the time of inception, the company stated they would not report to the 3 credit bureaus regarding personal credit for the business, XXXX XXXX, XXXX. The loan terms came to an end and XXXX XXXX refused to take the loan payments which they returned to XXXX XXXX. All payments are structured contractually through their portal as an Electronic Funds Transfer payment monthly. I have no control over that. This is a clear violation of the Fair Credit Reporting Act. I never received any notification of any changes in their policy to start reporting business loans and activities on my personal credit. I was also never late as the payments were structured for EFT. I have sent 3 separate requests to Equifax, TransUnion and Experian. They have yet to remove these negative marks or send me proof of documentation as requested. All correspondence were sent certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-25 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-25 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SLM CORPORATION
State: GA

Complaint narrative:
Sallie Mae has inquired on my credit report without authorization or consent violation of privacy act of 1974 15USC1681a c-2,4,5. No consent given to this company for inquiring extension of credit. No credit or funding received from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: UT

Complaint narrative:
I was charged for a XXXX subscription on my Discover card. I did not authorize this charge. When calling the company, XXXX, I was told that they would credit back Discover the {$100.00} that was charged. I then contacted Discover and asked for the late fees to be removed as well. I was told since card is closed that they could not reverse the charges. This is affecting my credit score. The original charge is for {$100.00} on XXXX. New balance on the card is {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is probably the 4th time I report this issue and its seems your organization thinks it is considered closed due to a letter from " wells fargo '' with a response that is really no response. 
I received a letter on XX/XX/year> at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX My mother gave me my mail on XX/XX/year>. 

The response came from : XXXX XXXX. 
Escalations Rep Enterprise Complains Magt Office XXXX XXXX XXXX XXXX XXXX XXXX The letter assumes this is a CLAIM and it's NOT! It provides a XXXX number for communication XXXX but requires a credit card, account number or other number to move passed the initial dialing of the XXXX number! Therefore this is NOT a VALID way to communicate! I can not reach Wells Fargo Customer Service!

It also makes reference to " the decision was made to close your account, to prevent further risk to your account '' I don't understand what the risk is to begin with. The account was only {$300.00} dollars, that is XXXX XXXX XXXX  not millions! Why is there a risk? Are you telling me the American public has to leave Wells Fargo to bank in safety?

You further state there was " no bank error in the decision to close your account! '' I am still wondering why this action took place! I was with Wells Fargo Bank for 29 years with no issue! An interruption came from life but returned by opening this account of {$300.00} and now you tell me this is a risk issue? Who do you think I am?

Is there another person associated with my name or action that took place that placed this situation in your Risk Management office? I was directed to XXXX XXXX who presented herself as the manager of the branch at XXXX XXXX and XXXX XXXX in XXXXXXXX XXXX. We spoke to XXXX XXXX  and provided id # XXXX The risk management office over the phone was not able to clarify anything just that it was a risk for NO REASON! 

The letter refers to Case Number : XXXX Are you sure you have the correct case and person? I will not accept any issues, fraud, defamation of character or issues that are not mine!!!!!!! I don't know what this number is pertaining to and I don't have a CLAIM filed. Maybe its your claim! 

I called the other number on this letter XXXX Left a message for XXXX XXXX. ( XXXX ) asking to please call me to bring clarity to the situation.

The issue here is the account was closed yet no reason was provided! I have the right to bank at any institution with respect for the entity as the consumer has the right as well to be serviced with respect! I will be filing a police report with the local police with this evidence to ensure it is documented. I and my family are not criminals! The lack of communication and lack of professionalism to say the least is besides my understanding!

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 2025-06-25 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-25 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently reviewd a copy of my credit report and i was shocked to find that i have been a victim of identity theft i do not recognize this account please remove from my credit report these are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc.
State: MI

Complaint narrative:
I had a blockchain.com account for years and there was a problem logging in so I had to change my password and when I did that it made me verify my id again, which I did resubmit all the documents it asked for but it triggered a manual review for some reason. I just had received a {$1000.00} in bitcoin earlier that day and I wanted to access it which was on XX/XX/2025. The site said due to an increasing number of applications theyll notify me by email of my status. Since then Ive reached out to them through their support team multiple times and all I get is automated responses. The XXXX time I talked to there live chat with a person by the name of XXXX who said he couldnt help and it had to be done by a team that will email me. Ive sent emails on XX/XX/2025, XX/XX/2025, and XX/XX/2025 asking if I need to resubmit something and letting them know I still cant access my funds and all I get is automated responses. After checking their website it states that if a manual review is needed it could take up to XXXX business days. We are way further along that that and still XXXX cant get any help with resolving this issue. Meanwhile all my funds are an in account XXXX cant access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
The fraudulent debt collections company called TSI emailed me a few months back saying I owed money to a medical facility that I actually have been to in the past ( XXXX XXXX ) But I didnt know what it was for so they told me they would have XXXX XXXX contact me and provide me more information but that never happened. In that email they had my name and address too. Now today, XX/XX/XXXX at XXXXXXXX XXXX they sent me a message that I owed money and sent a link to pay. I called XXXX XXXX and asked they about it and they assured me that their debt collections is called XXXX  not TSI and that they have never heard of them. They also told me that I in fact did not owe any money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-25 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account GENESIS CREDIT MANAGEMENT LLC as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation