vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi AA account ( last XXXX are XXXX ) and met the terms of the promotional offer by spending the required amount ( {$4000.00} ) within the required timeframe. My spend was {$4200.00} The promotion clearly stated that I would receive XXXX bonus miles after completing the required spend. 

Citi did not award me the promotional miles that were offered. 

In late XXXX, I called Citi and spoke with an agent ( the call was recorded ). The agent initially stated that I had not met the requirement. After a second review and deeper verification, the agent confirmed that I had satisfied the offer fulfillment criteria. She advised that she would submit a request to the back office to adjust my mileage and also indicated that I would receive additional goodwill miles for the inconvenience. 

Despite this, I later received a letter from Citi stating that I did not qualify for the promotion. This determination is incorrect. I have reviewed my account activity and confirmed that my transactions meet the promotional requirements.

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 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I was affected in the XXXX XXXX data breach. There are debts that do not belong to me now reporting to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/25 I filed two claims for a merchant that didn't provide correct goods and services and promised to refund me for the charges. I never received the refund which led me to file a claim with Capital One. The claims were filed for {$410.00} and {$110.00}. I received a temporary credit for the charges, and I was not advised by Capital One to provide any documentation. I received an email on XX/XX/25 advising the claims were denied. This isn't fair to me as a consumer. I was never given a chance to provide documentation for the claim. The wrong reason code was used to file the claim. Capital One has a major flaw in the dispute process. This should be to protect the consumer not the merchant!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
Access Credit Management has been reporting on my XXXX credit report that, they are the original creditor of a alleged debt in the amount of {$3800.00}. I have never heard of this company, nor have I ever been in any financial contract or agreement with this entity to owe or be obligated to pay a debt this company states on my report that it has been opened for one year and 8 months this company just showed up recently on my report pertaining to a large debt. That it claims I owe. When I contacted the entity concerning the matter the agent representative started to me that the debt was pertaining to a tenant repair from my past rental company and that they are acting as the ambassadors on the behalf of the realtor company. I then asked to be mailed a invoice of a receipt with the breakdown of that lead up to almost {$4000.00} worth of negligence. The agency mailed me a copy of a lease statement showing the amount of rent I paid from XXXX XXXX XXXX to XXXX XXXX XXXX that also shows a repair balance on the statement, But no repair invoice receipt nor a brake down of what the repairs was and no contractor receipt of each repair cost. And a email sent from the original creditor to me explaining normal wear and tear with an inflated repair cost with no repair contractor receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was called by " XXXX XXXX  '' who turned out to be imposters of XXXX  and zelle and they told me my account has been compromised but someone in XXXX XXXX trying to send money through my account. They have me a case number and other numbers to use in order to halt the transactions and protect my account. I had to put these codes into zelle in order to cancel them but it turned out to be sending the scammers money. Next they told me to take money out of the ATM and add it to a barcode encrypted to my account at XXXX and family dollar in the amount of {$500.00}. I tried to call zelle and cancel the transactions but they said they couldn't once they've been sent and 'in process. ' this morning they all went through and I am out of around {$2000.00} from my own chase account. I filed a claim with XXXX but they told me it was unlikely they'll be able to recover the funds once they've been sent via zelle. I have the scammers names/numbers, which are probably fake but should be reported so this doesn't happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau against Credit Collection Services for illegally reporting and attempting to collect a debt that I do not owe. 

I disputed this account and provided a declaration page from XXXX XXXX proving that I was insured during the time in question and did not owe XXXX XXXX. Despite clear evidence, CCS has refused to remove this false debt from my credit reports. 

I have no contractual agreement with Credit Collection Services, yet they continue to furnish this invalid account to XXXX XXXX XXXX XXXX. This is damaging my creditworthiness and constitutes unlawful collection activity. 
Violations of Law Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) : Prohibits reporting inaccurate or unverifiable information. Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e, 1692f ) : Prohibits deceptive, false, or unfair debt collection practices. FTC Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive business practices.
South Carolina Consumer Protection & Identity Theft Protections ( S.C. Code Ann. 37-20-180, 37-20-190 ) : Requires blocking and removal of fraudulent or unauthorized accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TN

Complaint narrative:
XXXX  experienced a confirmed data breach in XX/XX/year> ( announced XX/XX/year> ) that exposed the personal information of over XXXX XXXX XXXX consumers, including names, Social Security numbers, birthdates, and contact details. I am one of the affected individuals.

As a result of this breach, I believe the student loans being reported on my credit file are inaccurate and should be removed. I disputed these items through Credit Karma but they are still being reported. I noticed the issue today and am filing this complaint to request that all student loans be removed from my credit report since they can not be verified as accurate following the breach.

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 2025-09-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against CitiCards for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is now the third complaint I have filed regarding the same matter, and Citi has consistently refused to provide any meaningful validation or evidence of this alleged debt. 

This account is already closed, yet Citi continues to report it as if it were legitimate. The fact remains : this account is not mine and must be removed in its entirety. 

Despite my repeated demands, Citi has failed to produce any documentation bearing my name, signature, or voice authorization that could serve as legitimate proof of responsibility for this account. Instead, Citi has wrongfully used the personal information I previously provided ( including my address and phone number ) as a tactic to reverify and continue reporting this account a clear abuse of process. 

In addition, Citi continues to furnish negative information to the credit bureaus without proper verification, in direct violation of : FCRA XXXX ( 15 U.S.C. XXXXi ) : Failure to conduct a proper reinvestigation. 
FCRA XXXX ( 15 U.S.C. XXXX ) : Furnishing inaccurate or unverifiable information. 
FDCPA XXXX ( 15 U.S.C. XXXXg ) : Failure to provide debt validation upon request. 

Citi has also chosen to abuse the CFPB platform by submitting evasive and non-responsive answers, attempting to deflect responsibility by instructing me to contact the company directly. This conduct is unacceptable and contrary to the very purpose of the CFPB, which is to hold creditors accountable when they ignore consumer rightsnot to provide them with a shield to delay, avoid, or play games with the law. 

Citis refusal to comply with federal requirements is not only negligent but also demonstrates bad faith and intentional misconduct. I have screenshots and documented communications that clearly show Citis repeated evasion, failure to validate, and misuse of my personal information in an attempt to keep this unverifiable account alive. 

This ongoing misconduct has caused me emotional distress, reputational damage, and financial harm. Citi has had more than enough time to validate this alleged debt and instead has chosen to obstruct, mislead, and prolong the 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Charges were made to the card that were not done by me as well as pay off amounts not showing on account rven though done on their telephone payment service.

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 2025-09-08 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-08 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank refused to reverse a {$1400.00} charge for a limousine service that was never used. Phone calls and online dispute raised and a letter was faxed to Chase. The background on the dispute is as follows : I reserved a XXXX for XX/XX/XXXX for my wife 's birthday and prepaid but as a clerical error the date was put in as XX/XX/XXXX by mistake. On XX/XX/XXXX at about XXXX noon, I called the company to ask why they were not outside my hotel yet. They notified me of the booking error and I asked that they honor the booking for the same day not the next day. They refused to do that and they also have a 100 % cancellation fee including fees for Driver gratuity ( {$210.00} ) and XXXX XXXX ( {$120.00} ), XXXX hours of driver/car time, and also administrative fees. A total of {$1400.00}. XXXX XXXX of XXXX XXXX is refusing to refund unearned monies paid for the use of a limousine and driver, of which, they freely admit, neither a driver nor limousine service was ever provided by them. It is unconscionable and simply punitive to charge for services that were, in fact, cancelled in advance. This is not a no-show situation. They had XXXX hours notice. The company has no money out of pocket on this, to my knowledge, nor have they claimed any such losses. I have a cancellation receipt even though they claim in their contract that cancellations are " not allowed ''. I believe this is unethical behavior and would like to see an investigation on these operators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA XXXX ( XXXX U.S.C. 1681i ).

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX - Reporting inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting an account with XXXX XXXX XXXX that shows a balance owed. This is inaccurate. I paid this account off years ago, and the creditor no longer exists. XXXX XXXX  former office at XXXX XXXX XXXX XXXX, XXXX, GA closed years ago and is now a smoke shop under unrelated ownership. Their phone number is disconnected, and the company can not verify this debt. 

I have disputed this account with TransUnion multiple times. Each time they marked the account as verified but never provided proof or documentation. This is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires that unverifiable or inaccurate information be deleted. 

A satisfactory resolution would be for TransUnion to delete this tradeline from my credit report, as it is unverifiable, inaccurate, and beyond the legal reporting period.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Ive been a member of Jared jewelry for the past XXXX years Ive been making my payments on time every month and when I signed up for the credit card the representative stated that it will be a positive mark on my credit when the account is paid on time. One day I got a negative remark on my credit report for something thats not on my credit report I need this to be escalated this is a XXXX credit card and its supposed to be on my credit report as postitve mark

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Cell Phone XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/year>, I, XXXX XXXX, began experiencing problems accessing my Health Savings Account ( HSA ) at HSA Bank ( a division of Webster Bank, XXXX. ). My account has a balance of approximately {$2100.00}, but the bank has placed a hold that prevents me from reimbursing myself for qualified medical expenses. 

On XX/XX/year>, the account was shown as having a {$0.00} balance, and subsequent attempts to process an eligible reimbursement have failed with the error : Can not process XXXX distribution due to hold on consumers account. The consumer is not enrolled in any active plans. This claim is inaccurate, as I am actively enrolled and have made contributions of {$2100.00} in 2025. 

I contacted HSA Bank to request clarification and to restore access, but the company has refused to lift the hold or provide a valid explanation. This constitutes a denial of access to deposited funds and a failure of the custodian to perform its obligations under the HSA agreement. 

This restriction is causing financial harm and may also result in adverse tax consequences, as I am prevented from making XXXXauthorized distributions for qualified medical expenses. I am requesting immediate intervention to require HSA Bank to ( 1 ) release the hold, ( 2 ) provide a clear explanation of why access was denied, and ( 3 ) confirm that my HSA is active and properly enrolled.

Company response to consumer: Closed with explanation