vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear Ladies and Gentlemen I'm a XXXX citizen with a normal retirement savings account at CITI Bank, XXXX XXXX 
On XXXX i deposited {$12000.00}. XXXX APY 4.35 %. 
After receiving a XXXX maturity letter from the bank in XXXX, the account matured on XXXX. 

I called the bank twice in XXXX to inquire about how to transfer my funds to my checking account and how to file taxes. 

However, on XXXX XXXX at XXXX pm, i called the bank 's retirement account to inquire about my account. Why is my investment taxable? 
Why isn't it only the interest I receive taxable? After having a translator explain my questions to XXXX, she said, " You have to pay tax on everything. '' I couldn't believe what i heard, so i asked the translator to ask her again, and she said, " That's right! '' Seeing there was no resolution, I thanked them and hung up. 

I still don't understand why what she said contradicts the IRS regulations. 

XXXX. I deposited {$12000.00} in XXXX. 

XXXX. I received less on XXXX than before. 

XXXX. I've a regular retirement account. 

XXXX. Do i need to pay tax on my personal investment funds {$12000.00}? 

XXXX. Why isn't it just the interest that's taxed? 

I would be extremely grateful if you ladies and gentlemen could help me with this. 

XXXX XXXX XXXX ( XXXX ) XXXX Thank you so much.

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 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-31 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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint because Experian continues to report several fraudulent accounts on my credit report, even after I submitted a full FTC Identity Theft Report and supporting documentation. These accounts are the direct result of identity theft and should have been deleted or blocked as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The fraudulent accounts still appearing on my Experian file are : XXXX ( Account XXXX. XXXX ), XXXX XXXX ( Account No. XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( Account No. XXXX ),. Each of these accounts is fraudulent and must be deleted or blocked immediately. 

Experian has violated multiple FCRA provisions, including 1681i ( a ) ( 1 ) for failure to conduct a reasonable reinvestigation, 1681c-2 for failure to block identity-theft information after receiving my FTC Identity Theft Report, and 1681i ( a ) ( 5 ) for reinsertion of deleted items without proper notice. Despite my clear documentation and previous submissions, Experian continues to report these fraudulent accounts, causing ongoing harm to my credit and peace of mind. I am demanding that Experian immediately block and permanently delete these identity-theft accounts in full compliance with 15 U.S.C. 1681c-2. If Experian claims to have verified any of these accounts, I request written proof showing who verified the information, what method was used, and the records relied upon. If this documentation can not be provided, these items must be deleted at once.

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 2025-10-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian and Equifax for their reckless and unlawful reporting of two unauthorized and fraudulent charge-off accounts that do not belong to me.

The accounts in question are : XXXX Account # XXXX, reported from XX/XX/XXXX to XX/XX/XXXX, showing different balances between bureaus {$4300.00} on Equifax and {$3800.00} on Experian. 

XXXX XXXXXXXX XXXX  Account XXXX XXXX, reported from XX/XX/XXXX to XX/XX/XXXX, marked as a charge-off on both bureaus despite being an account I never opened or authorized.

These are not my accounts. I have no knowledge, contract, or relationship with XXXX XXXX. The differences in balances and dates between bureaus, combined with the false charge-off status, prove these tradelines are inaccurate and unverified.

This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and demonstrates systemic negligence : 15 U.S.C. 1681e ( b ) : Both bureaus failed to ensure maximum possible accuracy by reporting conflicting data for the same alleged account.

15 U.S.C. 1681i ( a ) : After dispute, they failed to conduct a reasonable reinvestigation. A proper investigation requires obtaining documentary evidence ( e.g., signed applications ), not just accepting the furnishers word.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX  failed to correct its inaccurate reporting across all bureaus after receiving a consumer dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing inaccurate and inconsistent reporting by XXXX ( Dept. of Education ) that is negatively impacting my credit reports across Experian, XXXX XXXX XXXX 

XXXX has reported multiple student loan accounts with incorrect account statuses and late payments that do not accurately reflect my payment history or current standing. For example, accounts ending in XXXX and similar DEPT OF EDUCATION/NELNET listings XXXX being shown as XXXX days late, even though these were consolidated, rehabilitated, or brought current. In some reports, the same accounts are marked both open and closed, with conflicting balances and payment histories. 

I previously contacted both XXXX and the credit bureaus, requesting verification of these accounts and documentation supporting the accuracy of the reported late payments. No such documentation or validation has been provided, and the inaccurate information remains on my reports. 

This inconsistent and unsupported reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to conduct reasonable investigations and report accurate, complete data to all credit reporting agencies.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint against a creditor that continues to report inaccurate and unverifiable information on my credit report, even after I submitted a formal dispute with supporting documentation. I exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), but the creditor failed to conduct a reasonable reinvestigation as required by 1681s-2 ( b ). Despite being properly notified of the dispute, the creditor has neither provided verification documents nor corrected or deleted the disputed tradeline.

The creditors actions constitute willful or negligent noncompliance with the FCRA. Specifically, they failed to review all relevant evidence I submitted, failed to substantiate the information being reported, and verified the account without proof or lawful documentation. This violates 1681i ( a ) ( 1 ) for not performing a reasonable reinvestigation, 1681i ( a ) ( 5 ) for continuing to report unverifiable information, and 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide the required method of verification.

This ongoing inaccuracy has caused continued harm to my credit profile and peace of mind. I have made multiple attempts to resolve the matter directly with the creditor, yet they have ignored their obligations and refused to provide the verification or documentation required under federal law.

COMENITY BANKXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I've had my PayPal account for almost a year now and a few days ago I went to XXXX and loaded it with {$500.00} XXXX separate times for a total of {$1500.00}. I also got {$100.00} refund from XXXX  to my Paypal account for a total of {$1600.00} in my account immediately after they received the money they locked my account and said that they can't give it back to me for XXXX  days which has rendered me homeless I just sold my house and I need that money to get a hotel room. They said the reason was I was using it in ways that were not accepted by PayPal which I don't know what the heck that means I loaded the money myself I've already verified my identity I've done everything I can and they're still holding my money and I want it back now I need it to live me and my son are homeless because we can't get a hotel room and he's only XXXX XXXX XXXX they locked my account for no reason and I need them to unlock it now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I am disputing inaccurate, outdated, or unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 605B, I am requesting a full reinvestigation of these items to ensure maximum possible accuracy and that any information found to be fraudulent or related to identity theft be immediately blocked from my report. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance : {$7400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XX/XX/year> TransUnion

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 2025-10-31 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: VA

Complaint narrative:
I am disputing inaccurate, outdated, or unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 605B, I am requesting a full reinvestigation of these items to ensure maximum possible accuracy and that any information found to be fraudulent or related to identity theft be immediately blocked from my report. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance : {$7400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XX/XX/year> TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the authorized representative of XXXX XXXX, pursuant to the signed Consumer Authorization & Limited Assignment Agreement dated XX/XX/year>. TransUnion has willfully and negligently reported a fraudulent bankruptcy on XXXX XXXX credit file under the reference XXXX  XXXX XXXX Discharged XXXX. The consumer has never filed for bankruptcy, and there is no court record or verifiable documentation supporting this claim. Despite a formal dispute submitted to TransUnion on XX/XX/year>, and supported by documentation, TransUnion has failed to conduct a proper reinvestigation and continues to publish this inaccurate and defamatory information. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which mandates accuracy and timely reinvestigation of disputed consumer information. The continued reporting of this false bankruptcy entry is damaging the consumers credit standing and financial opportunities, demonstrating TransUnions disregard for federal compliance and consumer rights.

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 2025-10-31 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-31 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: NY

Complaint narrative:
I am filing this complaint against Experian and Equifax for reporting inaccurate and unauthorized charge-off accounts that do not belong to me.

The accounts in question are : XXXX Account # XXXX, reported from XX/XX/XXXX to XX/XX/XXXX. 

Reported on Equifax with a balance of {$4300.00} and on Experian with a balance of {$3800.00}.

This discrepancy in balances, dates, and charge-off status demonstrates inaccurate reporting and failure to verify identity. 

XXXX XXXXXXXX XXXX  Account XXXX XXXX, reported from XX/XX/XXXX to XX/XX/XXXX. 

Reported on Experian and Equifax as a charge-off account that is not mine.

I have no knowledge of this account, never opened or authorized any credit line with XXXX XXXX, and believe it belongs to someone else with the same or similar name.

These inconsistencies show a clear failure to ensure maximum possible accuracy and a potential mixed-file or identity error, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting conflicting balances and charge-off statuses violates this obligation.

15 U.S.C. 1681i ( a ) : Once disputed, the bureaus must conduct a reasonable reinvestigation. Simply echoing the furnishers data without verifying identity is not a reasonable investigation.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX  ( XXXX ) failed to correct or delete false information across bureaus after notification of dispute, violating its duty as a furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 XXXXXX/XX/year>

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 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital systems for XXXX from XXXX XX/XX/year>. Ive been with XXXX the past XXXX  years. They havent been able to give me a signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
CFPB, On reviewing my recent bank activity, I noticed a {$19.00} charge from MoneyLion that I did not authorize and do not understand. I currently do not have an active XXXX XXXX XXXX membership or loan w

ith MoneyLion. According to MoneyLions website, this {$19.00} fee is associated with their XXXX XXXX XXXX membership plan, but I am not enrolled in that program and have not received any notice, email, or in-app message indicating that I would be billed. I also have not used their credit builder services recently, nor did I sign up for any paid membership.

This makes the charge appear to be unauthorized or improper billing activity. There should not have been any membership fee charged to my account when no active membership or service exists.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
I am filing a complaint because several charge-off accounts are being reported on my credit reports without my permission and in a way that is inaccurate and misleading.

These accounts are from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX XXXX .

I never gave written or verbal consent for these companies to access or furnish any of my consumer information.

Under 15 U.S.C. 1681b, a credit bureau can only include or share my information when there is a verified, lawful permissible purpose.

No such purpose exists for these furnishers.

Several of these accounts are still showing as charged-off or in collection long after they were supposedly closed or sold, which is false and damaging to my credit profile.

This violates 607 ( a ) and 1681s-2 ( a ) of the Fair Credit Reporting Act, which require accuracy and verification before furnishing information.

Im asking that the credit bureaus : 1. Delete all charge-off and collection accounts from these furnishers, 2. Provide written verification or documentation showing any permissible purpose or consumer authorization for each, and 3. Send updated reports once the inaccurate or unauthorized data is removed.

These items were reported without authorization and have caused financial harm and unnecessary hardship.

I am requesting that the CFPB ensure the credit bureaus correct and delete these entries as required by law.

Company response to consumer: Closed with explanation