vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX I attempted to deposit an apartment security deposit refund check in the amount of {$1700.00} to my Citibank account. The following day, I received notice that due to a violation of terms and conditions they would be closing my account. I reached out to Citibank and was advised that this check would not be accepted due to " fraud '' and my account would be closed. They stated all my eligible funds would be mailed within 60 days of account closure. However, on XX/XX/XXXX I received an email that the check was indeed accepted and I confirmed with the check issuer that the funds were released and cleared to Citibank. I then called Citibank XX/XX/XXXX and was advised that the funds have been received and would be made available on my account to potentially withdraw from a branch on XX/XX/XXXX. I was also advised that the release of any funds posted to my account was at the discretion of the branch. On XX/XX/XXXX, after confirming the funds posted to my account via another phone call, I went to the branch on XXXX and XXXX only to be told that because my account is locked the fraud department would need to notate the account to release funds. I, again, contacted Citibank XXXX department and was advised, again, that the release of funds was at the discretion of the branch manager. I later returned to a Citibank that had a branch manager in and was advised that funds could not be released as the fraud department was staying they " already cut me a check for my available balance. '' So I called the XXXX  department again to confirm this statement. After further conversations and investigations, they advised me that because the check was issued in both me and my partners name, separated by a semicolon it would have had to be endorsed by and deposited by us as a joint entity ( despite the industry standard being that a check with two names only needs to be deposited jointly if conjoined by the word " AND. '' ) They are stating that the funds are not being released to my account and that only the money prior to this deposit will be on the check issued me at account closing. They also advised that they can not return the funds to the issuer, that the issuer must recall the funds. Obviously, this is not a viable option and it feels like a ploy by Citibank to retain this funds as long as possible until I give up the fight. Citibank plans to hold my funds for 60 days, which is not a reasonable amount of time and I need to be able to access my money for bills.

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 2025-10-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-10-22 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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX Reporting Inaccurate Collection Accounts for a Minor Details : My name is [ Your Full Name ], and I am submitting this complaint because XXXX XXXX has reported collection accounts that do not belong to me. These accounts have been placed with XXXX XXXX XXXX ( {$3000.00} ) and Online Information Services ( {$610.00} ), and they are appearing on my credit report. 

The alleged collection accounts are dated XX/XX/XXXX and XX/XX/XXXX. However, I was born on XX/XX/XXXX, which means I was XXXX XXXX XXXX in XX/XX/XXXX and XXXX XXXX XXXX in XX/XX/XXXX. I was not legally eligible to open a utility account with WE Energies at those times. 

The address associated with the accounts is XXXX XXXX XXXX, XXXX, Wisconsin. I did live at that address with my family when I was a child ( approximately ages XXXX to XXXX ), but I never opened any utility accounts in my name. Therefore, these debts are not mine. 

This inaccurate reporting has caused serious harm to my credit and is preventing me from qualifying for a mortgage to purchase my first home. I have reached out to the collection agencies and XXXX XXXX but the accounts have not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was actively disputing charges on my account. During this time, the creditor continued to apply late fees, finance charges, and reported negative information to the credit bureaus despite being prohibited from doing so under the Fair Credit Billing Act ( 15 U.S. Code 1666b ).

In addition to the federal violations, I am a New Jersey resident, and this conduct also violates the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), which protects consumers from unconscionable business practices, including deceptive billing and misrepresentation.

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 2025-10-22 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: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was actively disputing charges on my account. During this time, the creditor continued to apply late fees, finance charges, and reported negative information to the credit bureaus despite being prohibited from doing so under the Fair Credit Billing Act ( 15 U.S. Code 1666b ).

In addition to the federal violations, I am a New Jersey resident, and this conduct also violates the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), which protects consumers from unconscionable business practices, including deceptive billing and misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
A few days ago I received a notification that these accounts were added to my credit report out of nowhere without any permission or authorization. Mind you I DON'T RECOGNIZE THESE ACCOUNTS, never heard of them. I'm a victim of Identity theft and on TOP of that it says that two of the accounts were Opened on XXXX which I have never even opened anything and they reported to my credit this week!! I'm extremely frustrated, MAD, and disappointed because THEY won't answer! I have attached a Identity theft affidavit signed by me, Copy of proof that it showed up on my credit without any authorization this week and that it was never OPENED on XXXX because it's a lie. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). I need these three accounts to be Deleted from my credit report please. 

These are the accounts : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$1600.00}

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 2025-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A few days ago I received a notification that these accounts were added to my credit report out of nowhere without any permission or authorization. Mind you I DON'T RECOGNIZE THESE ACCOUNTS, never heard of them. I'm a victim of Identity theft and on TOP of that it says that two of the accounts were Opened on XXXX which I have never even opened anything and they reported to my credit this week!! I'm extremely frustrated, MAD, and disappointed because THEY won't answer! I have attached a Identity theft affidavit signed by me, Copy of proof that it showed up on my credit without any authorization this week and that it was never OPENED on XXXX because it's a lie. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). I need these three accounts to be Deleted from my credit report please. 

These are the accounts : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I received notification via XXXX  credit report that my mortgage company had reported potential negative information to my credit report. This is 100 % false, fraudulent and misleading statements, reports. Ive claimed bankruptcy in XX/XX/XXXX due directly to being injured in the line of duty as a law enforcement official. My mortgage IS NOT INCLUDED in this filing and Ive NEVER missed a payment or have been late. I just payed my XX/XX/XXXX mortgage payment today, XX/XX/XXXX way before its due. Same for XX/XX/XXXX. I made XX/XX/XXXX, XXXX payment on XX/XX/XXXX. Again, always paying my mortgage before its ever due. Now, because Ive filed a bankruptcy reorganization of my creditors and by law, I have to list any equity such as a home is per the law and bankruptcy rules. Ive never been late on my mortgage, paying it every month and never had a missing or 30 day late negative report on my credit report. Now, suddenly, my credit is now reading PHH mortgage has reported potentially negative information related to my mortgage account which is FALSE, FRAUDULENT and MISLEADING information thats only damaging my XXXX score more now, even though Im trying to get my life together, not including my mortgage in my bankruptcy as its never been late or is included in any payment reorganization within the bankruptcy. There is no reason whatsoever for PHH to report potential negative information to my credit report other than to deliberately misleading and do more damage to me and my credit with due cause Another address for this outrageous company is : 1 Mortgage XXXX XXXX XXXX, NJ 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 2025-10-22 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: MO

Complaint narrative:
Company : XXXX  XXXX Category : Credit card Issue : Incorrect information on my credit report / Problem with a credit reporting dispute Complaint text : > I am filing this complaint because XXXX XXXX mishandled a credit reporting dispute and I believe a supervisor retaliated against me after a previous issue. 

XXXX XXXX originally reported an incorrect balance of {$990.00} to TransUnion and XXXX. My actual balance at the time of the reporting period was {$100.00}. XXXX XXXX confirmed this when they opened a dispute on my behalf, but instead of correcting the balance, they re-reported my current mid-cycle balance ( which again showed {$990.00} ) and then closed the dispute. 

I spoke with a supervisor named XXXX, who refused to escalate the issue, refused to transfer me to the disputes department, and told me there was no number for that team. She was dismissive and unprofessional. I believe this may be the same supervisor who previously hung up on me, and it appears to be retaliation for my earlier complaint. 

I am requesting that XXXX XXXX : 1. Reopen the dispute and report the correct statement balance of {$100.00}, not the mid-cycle balance. 


2. Have a senior supervisor review the call recordings with XXXX. 


3. Provide written confirmation that my dispute was reviewed by someone other than the same supervisor. 



This situation has hurt my credit score and feels unethical. I expect XXXX XXXX to correct the reporting and address the staff conduct.

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 2025-10-22 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: MO

Complaint narrative:
Company : XXXX  XXXX Category : Credit card Issue : Incorrect information on my credit report / Problem with a credit reporting dispute Complaint text : > I am filing this complaint because XXXX XXXX mishandled a credit reporting dispute and I believe a supervisor retaliated against me after a previous issue. 

XXXX XXXX originally reported an incorrect balance of {$990.00} to XXXX  and Equifax. My actual balance at the time of the reporting period was {$100.00}. XXXX XXXX confirmed this when they opened a dispute on my behalf, but instead of correcting the balance, they re-reported my current mid-cycle balance ( which again showed {$990.00} ) and then closed the dispute. 

I spoke with a supervisor named XXXX, who refused to escalate the issue, refused to transfer me to the disputes department, and told me there was no number for that team. She was dismissive and unprofessional. I believe this may be the same supervisor who previously hung up on me, and it appears to be retaliation for my earlier complaint. 

I am requesting that XXXX XXXX : 1. Reopen the dispute and report the correct statement balance of {$100.00}, not the mid-cycle balance. 


2. Have a senior supervisor review the call recordings with XXXX. 


3. Provide written confirmation that my dispute was reviewed by someone other than the same supervisor. 



This situation has hurt my credit score and feels unethical. I expect XXXX XXXX to correct the reporting and address the staff conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
On approximately XX/XX/XXXX, I called US Bank and explicitly instructed them to reject all transactions and not pay any charges if my account had insufficient funds. The bank representative did not inform me that this instruction would not apply to recurring charges. 

Despite this instruction, on XX/XX/XXXX and XX/XX/XXXX, the bank paid recurring debit card charges when my account had insufficient funds and assessed a {$36.00} overdraft fee for each transaction, totaling {$72.00}. 

When I contacted the bank to dispute these fees, I was informed that it is the bank 's policy to pay recurring charges even when a customer has insufficient funds and has requested transactions be declined. The bank refused to reverse the two {$36.00} fees, despite having provided a courtesy reimbursement for an identical fee the previous month. I believe these fees are unfair as the bank acted against my direct instructions.

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 monetary relief