vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, my Citibank credit card was declined for a purchase that was well under my credit limit. When I called for assistance, I was on the phone for over four hours with multiple representatives, none of whom were able to restore functionality to my card. 

This experience caused me unnecessary embarrassment at the point of sale, left me without a working payment method, and demonstrated a complete failure of Citibanks customer service process.

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 2025-08-22 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$22000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
My Citibank Account is blocked when I tried to sign on the online system on XX/XX/year>. The system showed fraud alert but it is a misunderstanding. 

I have already called the customer service by phone and also sent email to their executive response office. They told me that verification is needed to remove the block and the only method of verification available to me is to call their Fraud Prevention Department from a verified XXXX phone number. 

But the issue is that I have moved out of XXXX and lived in XXXX now. My previous phone number that linked to the account is not available anymore and I have no access to a XXXX phone number right now. It is frustrating that the representatives told me the only way to verify my identity is to provide a XXXX phone number but this is impossible for me at the current status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX XXXX  # XXXX - Date Opened XX/XX/year> - Balance {$0.00}

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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX, I received notice that my account was being closed even though it was in good standing. The bank also used a fictitious Credit Score of XXXX as justification when my credit score was never XXXX from XXXX, the agency they used to make the claim. While I do not care if this company closed my account, what I do care is that they tried to defame my credit standing for nefarious reasons as they have done with so many other customers. This is a pattern with this bank and clearly it will continue. I am attaching a copy of my credit scores for the period in question as it wil show that this company lies to close credit accounts for customers in good standing who have never made a late payment.

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 2025-08-22 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: FL

Complaint narrative:
Despite my concern, the inaccurate accounts are still listed on my credit report and have not been deleted. I am requesting a careful review of the attached documents so this can be corrected and I wont have to worry about it again.

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 2025-08-22 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/year> Balance : {$6100.00}

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 non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my Experian credit report that I believe are the result of identity theft and/or a data breach. These accounts do not belong to me, and I have never authorized them. 
The accounts in question are : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00}

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 2025-08-22 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
There are 2 consolidated loans, one for over {$88000.00} and another for {$77000.00} ( with interest ) the have appeared on my account for collection after : 1. Both were dismissed in my XXXX bankruptcy. They did not appear on my credit and no collection. Via phone or email XXXX In XXXX, Ed Financail provided me with a {$0.00} balance statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
The original amount of the loan was roughly {$17.00}, XXXX ( adding principal paid and remaining ). I calculated the XXXX at XXXX  %. A summary screenshot from XXXXXXXX XXXX calculator using that rate is included if I can upload the image. The loan was begun XX/XX/XXXX with the first monthly payment of {$440.00} paid XX/XX/XXXX. I had XXXX payment date change request on XX/XX/XXXX but have made all payments to date in full on time ( as of today XX/XX/XXXX and the upcoming XX/XX/XXXX payment will be in full on time ). At the time of the loan my credit scores were under XXXX after enduring XXXX for XXXX. My credit is slowly rebuilding as my health does and is now at or above XXXX. I have substantial student loan debt ( over {$150.00}, XXXX dollars ). I have not resumed payments since the loan forgiveness agreement I had as a XXXX XXXX  was halted by the Trump administration . You know better than I do the regulations/laws/policies, but such a high interest rate given my credit/debt/income, the age/mileage of the car purchased used ( XXXX XXXX XXXX XXXX XXXX with under XXXX miles ), the lender being aware/me not being aware that refinancing a vehicle of that age would be difficult/costly and that the loan principal {$17000.00} + being significantly more than the XXXX worth of under {$6000.00} may make the loan 'predatory ' to use the current popular term for unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Create me a dispute letter for 15usc1681-2 and also included the national public data breach also include all fraudulent inquiries from these companies below and or negative items listed 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 explanation
Consumer complaint received 2025-08-22 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: MO

Complaint narrative:
I paid for a room in XXXX XXXX XXXX in XXXX XXXX, KS through XXXX Upon arrival, the hotel did not find or honor the booking despite proof being shown and made me pay for the room a second time ( {$500.00} ). This is fraudulent and theft. I then disputed the charge through my credit card at Citi Bank, and they refused to resolve it despite me calling numerous times and providing extensive documentation that they asked for. This is complete theft and negligence by two massive corporations.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-22 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation