vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I changed my legal last name nearly XXXX years ago and have repeatedly tried to get Citi to update my name on XXXX Citi-issued cards ( Citi Double Cash, Citi Simplicity XXXX XXXXXXXX XXXX XXXXXXXX, Best Buy Citi card , Citi Strata Premier ). Over the past XXXX years I contacted Citi many times and was repeatedly told the only acceptable ways to provide proof of the legal name change are insecure ( fax or postal mail ). 

I traveled in person to a Citi branch ( flying to California ) to resolve this and was denied in-branch assistance because I do not have a Citi checking account. I ultimately sent a fax containing the last XXXX digits of each card, my new legal name, a copy of my passport, and a copy of my drivers license the most I was willing to send via an insecure channel. Citi continues to insist on other sensitive items ( full SSN, bank account details ) via unsecure methods. 

Citi has refused to provide a secure option ( secure upload portal, encrypted document upload, or in-branch verification for cardholders without a Citi checking account ). This policy forces me to choose between exposing sensitive personal information through unsecure channels or keeping multiple active accounts that do not reflect my legal name. I ask that Citi be required to provide a secure, documented process to update legal names across all accounts ( secure upload or in-branch verification ), or offer an alternative that does not require sending highly sensitive data via insecure channels.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
This was not a legitimate merchant transaction. I was scammed. I was tricked into sending money under false pretenses and never received what I paid for. This was a fraudulent scheme, not a simple person-to-person payment. I confirmed I can send any proof they need. This should fall under fraud not just a merchant issue. I am requesting that my dispute be reconsidered. I was the victim of a scam in which I was misled into sending money for a product I was promised but never received. After I sent the funds, the seller stopped responding and cut off communication completely. This was fraud, as I was deceived under false pretenses. 
I originally reported that I had transferred money, but I need to clarify that I was scammed into making the payment. I did not authorize this person to take my money without providing the agreed product, and I would like this to be re-evaluated as a fraudulent transaction. The payments were made through chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Letter received from CA UCC Statement Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Claiming a statement service fee of {$98.00} listing XXXX XXXX as the debtor and the secured party 's name as good leap, LLC with a mailing address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

It writes " The State of California Uniform Commercial Code ( UCC has recently filled a financing statement form in your name. This statement outlines the collateral that will cover the Secured Party if you default. it is important for you to keep your own record of this statement and fully understand them. Complete the form below to order your California UCC financing statement ''. 

check or money order is requested to be sent to CA UCC Statement Service ( XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
There is a collection agency showing up on my credit report for portfolio recovery in the amount of {$800.00}. This affects my XXXX XXXX and it shouldnt be on there. Im not responsible for this account. Someone had to use my identity for this because, I know it wasnt myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
The AAFES has been repeatedly notified of my call to XXXX XXXX, and has repeatedly ignored or denied my SCRA rights and interest rate cap. I have provided written orders on multiple occasions to multiple email addresses.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
I disputed a XXXX XXXX Bankruptcy ( Case XXXX XXXXXXXX, XXXXXXXX XXXX XXXX  ) that TransUnion is reporting on my credit file. On XX/XX/XXXX, I submitted a Round XXXX dispute with written proof from the U.S. Bankruptcy Court, XXXX, and XXXX XXXX XXXX confirming that they do not furnish, report, or transmit bankruptcy records to TransUnion or any other credit bureau. The U.S. Bankruptcy Court is the only lawful original source for such public records. 

Despite this, TransUnion continues to verify the bankruptcy using XXXX and/or XXXX, which both disclaim accuracy and are not official court records. XXXX itself states : XXXX is not the official record and may contain errors. 

By continuing to report this unverifiable bankruptcy after being provided direct proof, TransUnion has committed multiple violations, including : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 7 ) failure to provide a proper description of the reinvestigation FCRA 1681b no permissible purpose to report without certified court verification FCRA 609 ( a ) failure to provide proof from original-source records FCRA 623 ( a ) ( 5 ) duty to delete unverifiable information Additionally, TransUnion continues to report multiple accounts as included in bankruptcy without certified court records or original signed contracts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These are unverified, incomplete, and inaccurate. 

The CFPBs own Supervisory Highlights ( Issue XXXX, XXXX XXXX ) require that credit bureaus maintain current public record data and match at least XXXX identifiers before reporting bankruptcies. This account fails those requirements. 

Continued reporting of this false bankruptcy record is defamation per XXXX, as it imputes insolvency and damages my financial reputation.

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 2025-10-01 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: IL

Complaint narrative:
I am submitting to formally request the removal of any dispute comments associated with the accounts listed below and to have their dispute status reset : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXX  XXXXXXXX XXXX XXXX Balance {$0.00} These accounts were previously marked with a dispute status ( consumer disputes this account ), but I am no longer disputing them and would like all related dispute comments removed. The presence of these notations is negatively impacting my ability to obtain new credit, as it gives the impression that these accounts are still under dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While reviewing my TransUnion, Experian and Equifax credit report, I discovered an inaccuracy in the reporting of my XXXX XXXX XXXX account that does not accurately reflect my verified payment history. The account, which shows a balance of {$34000.00}, was opened on XX/XX/XXXX, with last activity on XX/XX/XXXX. However, TransUnions report inaccurately lists multiple 30-day late payments allegedly occurring in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This reporting is inconsistent with my records and misrepresents the true standing of my account.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending this dispute to formally challenge the accuracy and validity of the following items reported on my credit file. These items are inaccurate, outdated, unauthorized, or improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full reinvestigation and demand that any unverifiable or inaccurate information be corrected or permanently removed.Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts and Balances : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX  XXXX Balance {$6300.00} XXXX  XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$330.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, FCRA 611 ( a ) ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate, unauthorized, or unverifiable information and requires a full reinvestigation of the disputed items.

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 2025-10-01 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: CA

Complaint narrative:
I am sending this dispute to formally challenge the accuracy and validity of the following items reported on my credit file. These items are inaccurate, outdated, unauthorized, or improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full reinvestigation and demand that any unverifiable or inaccurate information be corrected or permanently removed.Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts and Balances : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX  XXXX Balance {$6300.00} XXXX  XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$330.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, FCRA 611 ( a ) ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate, unauthorized, or unverifiable information and requires a full reinvestigation of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing the accuracy and validity of the following items being reported on my credit file. These accounts and inquiries contain incomplete, inconsistent, or unverifiable information and must be deleted under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$380.00} XXXX XXXX  Balance {$580.00} Date Opened : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$640.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because the credit reporting agencies * * verified debts on my credit file without providing any actual proof of verification * *, which violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

I submitted disputes to the credit bureaus regarding several accounts ( including charge-offs and collections from * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ). These accounts are inaccurate and/or not mine. 

Instead of properly investigating as required by * * FCRA 611 ( 15 U.S.C. 1681i ) * *, the credit bureaus responded that the debts were verified. However, they did not provide me with any supporting documentation, such as * * signed contracts, original account records, or assignment/transfer documentation * * from the creditors. 

This means the verification process was * * inadequate and invalid * *, and the negative items remain on my report without sufficient evidence. 

-- - # # # * * Violations : * * * * * FCRA 611 * * Failure to conduct a proper reinvestigation of disputed information.

* * * FCRA 623 * * Furnishers of information must provide accurate and complete information ; the bureaus continue reporting unverifiable data.

* * * FCRA 616 & 617 * * Civil liability for willful and negligent noncompliance. 

-- - # # # * * Harm Caused : * * * Ongoing reporting of * * inaccurate and unverified negative items * * is harming my creditworthiness. 
* I have been * * denied credit opportunities * * due to these unverifiable accounts. 
* I have wasted time and effort disputing, while the bureaus continue to rubber-stamp verifications without proof.

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 2025-10-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief