vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CitiBank or any of the affiliates. I have confirmed and advised CitiBank that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CitiBank approved a credit under my name, without doing any further review and confirmation. Given the fact that CitiBank has the right to investigate and obtain all necessary information prior to approving any credits, CitiBank has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CitiBank must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the XXXX laws that CitiBank must comply with prior to approving any credit card/lines to anyone. Pursuant to CitiBank 's online advertisement, CitiBank encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CitiBank stating that my information was used or attempted to be used in order to open an account. Thus, CitiBank has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CitiBank violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's XXXX diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for CitiBank to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of 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 2025-08-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
My bank with chime. My card was stolen and money was taken out of my account. I dispute it twice but I was denied. I don't have money to give away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I XXXX request an extension. During this time, no information XXXX be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I refinanced my home and the title company sent payoff to the creditor and they have not credited the payment after 9 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.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 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-07 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I reached out to the Lendumo custumer service via their chat option from their website regarding why my payoff balance was more than what it should be based on the length of time that I held the loan. I took out the loan and signed the agreement on XX/XX/XXXX in the amount of {$2400.00} at an interest rate of 700 % ( which is outrageous, but our AC went out and we were in a very tight financial situation so we were desperate ). Below are my calculations : The daily interest rate is .01917808 % which is {$46.00} daily on the amount of {$2400.00}. 

I made a pre-payment in the amount of {$500.00} that shows paid in their portal on XX/XX/XXXX which would mean that the accrued interest for the ( 4 ) days would be {$180.00}. From the {$500.00} payment that I make, {$180.00} would go to interest, and {$310.00} would go towards the principal. 

As of today ( XX/XX/XXXX ) the payoff balance should be {$2000.00} + {$39.00} ( interest for one day on principal ) = {$2100.00}. They were requiring me to pay {$2300.00} ( {$200.00} more than what is permitted based on the agreement ) I wanted to payoff the loan as of today, XX/XX/XXXX. The customer service representative could not explain to me why I was being over charged, and kept repeating statements that had no clarity and did not abide with what is stated in the agreement. I have attached the transcript of the conversation below. There was no resolve other than I have to wait until XX/XX/XXXX and will accrue 6 days of additional interest. I am extremely frustrated with this situation, as obviously we were in a terrible position and this company is truly predatory and dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a firm that provides services to the Department of Education. After completing contracted services this past XXXX, I submitted an invoice and subsequently received a {$10000.00} check made payable to my business. 

As the sole owner, I deposited the check into my business account with Chase Bank. However, Chase has since frozen the account and flagged the check as potentially fraudulent, citing an inability to verify its legitimacy. Despite providing the appropriate contact number for verification, the bank has stated it can not confirm its authenticity, partially due to reported difficulties verifying the XXXX XXXX XXXX XXXX XXXX contact information. 

After several follow-up calls, Chase allowed me to open a new account. However, they have refused to release or transfer the funds to the new account or issue a mailed check. 

I am urgently requesting your support in verifying this check with Chase Bank and facilitating the release of these funds. Please let me know if further documentation is required from my end. I have attached several documents below to further verify the legitimacy of my Business and my funds. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Marauder Corporation
State: KY

Complaint narrative:
To the CFPB, I am reaching out to formally request a review and removal of multiple derogatory marks, late payments, and hard inquiries currently listed on my credit report. I have been working diligently to take control of my financial future, and I respectfully request your assistance in enforcing the rights granted to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and its related provisions.

What Happened : Over the past few years, I faced a series of personal and financial hardships that impacted my ability to stay current on some accounts. These events were not due to irresponsibility or unwillingness to pay, but rather a period of instability that I have since worked to overcome. Despite these challenges, I am now in a much better position and committed to rebuilding my credit with integrity and persistence.

Legal Basis for My Request : Under 15 U.S.C. 1681c-2, I am exercising my right to block and request deletion of information from my credit report that is : Inaccurate or unverifiable ; The result of identity theft or misrepresentation ; No longer legally reportable due to age or status ; Causing continued harm despite being resolved.

In addition, several hard inquiries on my report were made without my full authorization or were duplicated across multiple agencies. These inquiries violate FCRA 604 ( a ), which limits access to credit files to entities with a permissible purpose.

My Request : I respectfully ask the CFPB to help ensure that : Any late payments or derogatory accounts that are inaccurate, outdated, unverifiable, or no longer legally reportable are removed from my credit report ; All unauthorized or excessive hard inquiries are blocked or deleted ; The Credit Reporting Agencies ( CRAs ) are held accountable for verifying the accuracy, completeness, and permissible use of any and all data being reported ; My credit file reflects accurate and fair information, in accordance with federal law. This is a deformation of my character. 

I appreciate the opportunity to make this claim and provide documentation if needed. My goal is to resolve these issues lawfully and move forward with a clean and truthful record.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Issue Summary : I am requesting the removal of a delinquency on XXXX from my credit report that resulted from a misunderstanding and lack of proper communication regarding my federal student loans, which were transferred from XXXX XXXX XXXX Aidvantage without my knowledge. 
Details : When these loans were transferred to Aidvantage, I was unaware of the change in servicer. My father had previously indicated he would be handling the payments, so I trusted that they were being taken care of. Due to this misunderstanding, I did not update my contact information on file or with the new servicer. As a result, I did not receive notices about the loans falling behind. I did not know I had missed any payments until I saw the delinquencies reported on my credit report. 

Once I realized the issue, I took immediate action. I logged into the Aidvantage system, updated all of my contact details, and began making consistent on-time payments. My account is now current, and I am committed to repaying this debt in full.

Impact : This isolated delinquency is now significantly damaging my credit score, preventing me from accessing affordable housing and a home loaneven though I have made good faith efforts to resolve the issue. 

I respectfully request that the delinquency be removed as a courtesy in light of the exceptional circumstances, including the servicer transition, miscommunication with a family member, and the fact that I was never properly contacted due to outdated contact information. I have demonstrated responsibility since discovering the issue, and I am committed to staying current going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
On XX/XX/year> The Experian Credit monitoring App presented an offer for me to apply for a credit card from XXXX XXXXXXXX as a " no ding '' application. The definition of the no ding on their website states " Applying for these card won't impact your credit if you aren't approved. '' I submit the application, it was denied, and it affected my score and showed up as a hard inquiry on my credit report. I have spoken with XXXX XXXX and Experian to no avail. 

I have been monitoring my credit fiercely and would NOT have applied if anything said represented an inquiry on my report. I have been waiting for the inquires to be removed and workig diligently to improve my credit. This has been a major setback in the process. 

It is not fair to consumers that they are present false information.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
It was a XXXX XXXX flash deal of XXXX 's stock on espresso machines and the email was XXXX and the website was 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