vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, I tried to make a global transfer from my Citibank checking account, which did not go through. After that, when I tried to access my account, I found out that it was blocked. I did not receive any call, notification or message from Citibank informing this. After calling Citigold dedicated service team, I was informed that my account was under review, which would take from 24 to 48 hours. They did not provide me any further information or number to follow up. I called Citibank again on XXXX XXXX and received the same information. I then went to Citibank branch in NY on XXXX XXXX, where they said that they could not do anything about it. I was not even able to close my account and recover my money. Today I was informed that I should call another number ( Fraud Department ) to confirm my personal data and my recent transactions, which I did. After that, they said that my account was still under review, which would take an extra 24 to 48h to de completed. They could not guarantee if it would be further extended. I asked for written confirmation of this or a recording of the call, which was denied. I still do not have access to my account, I can not make payments or withdraw money or even confirm if my global transfer went through.

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 2025-12-01 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: PA

Complaint narrative:
I am disputing the late payments reported on this account because they are the result of clear billing and reporting errors made by the creditor. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to ensure that all payments and credits are accurately reflected. However, payments I made were not properly recorded, and there appear to be calculation and posting errors in the amounts being reported. Additionally, I was not provided with the required 21-day notice before a payment became due, which makes these late payment marks invalid and unfairly damaging to my credit.

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 2025-12-01 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

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 2025-12-01 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV

Complaint narrative:
My home with Vanderbilt Mortgage was sold in XXXX of XXXX. They continue to show a late payment on my account for the following month that it was sold. Whether it was the company or the realtor this is a negative factor on my account and is not reflecting accurately. I was tried to dispute this multiple times and get no response or help even though I provide documentation of the home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
The account being reported under my name does not belong to me and appears to be mixed with someone elses information. I have never opened, authorized, or managed this account, and its presence on my credit file is both inaccurate and misleading. This type of error is extremely concerning, as it misrepresents my financial history and suggests activity I had no involvement in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I filed a dispute with Citizens Bank on XX/XX/year> for an incorrect hotel charge. The hotel charged me in cash at check-in and later charged my Citizens card again. This is a duplicate billing error.

It has now exceeded 10 business days since I filed the dispute. Under Regulation E ( 12 CFR 1005.11 ), the bank is required to either complete the investigation within 10 business days or issue a provisional credit if more time is needed. Citizens Bank has not provided any provisional credit and has not provided any written notice of an extension. 

I have called Citizens Bank several times and no one will give me any status or information. They continue to tell me that they can not provide details. I have not received any letter, email, or notification regarding the investigation, provisional credit, or extension.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

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 XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am submitting this formal NOTICE OF IDENTITY THEFT and demanding immediate deletion of all fraudulent accounts, inquiries, and personal information appearing on my credit file. These accounts were opened, reported, or assigned without my knowledge, permission, or consent, and are being investigated as identity theft.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the credit bureaus and all furnishers are legally required to block, delete, and cease reporting any information that results from identity theft once notified. This letter serves as that notification.

LEGAL GROUNDS FOR DELETION 1. FCRA 602A & 609 ( e ) Identity Theft Rights You must provide me with ALL documents, applications, contracts, and records used to open or verify the fraudulent accounts within 30 days as required by law.

Failure to provide these documents is a willful violation of the FCRA.

2. FCRA 611 Reasonable Reinvestigation Requirement You must conduct a reasonable reinvestigation. Reporting unverifiable or inaccurate data is illegal. If the furnisher can not 100 % verify the account with original signed documentation, it must be deleted immediately.

3. FCRA 616 & 617 Civil Liability for Willful or Negligent Noncompliance Any failure to delete fraudulent information may result in : Actual damages Statutory damages Attorney fees Punitive damages These violations may be pursued in federal court.

4. FCRA 623 ( a ) ( 6 ) Duties of Furnishers After Notice of Identity Theft Once a furnisher is notified of identity theft, they are prohibited from reporting the account further and must block and delete it.

Continuing to report a fraudulent account after receiving this notice is unlawful.

5. FACTA Section 112 Fraud Alerts & Blocking Duties Upon receiving notice of identity theft, the bureau must : Block the fraudulent accounts Remove them from reports Prevent reinsertion unless certified as accurate Reinsertion without certification is another federal violation.

6. FDCPA Violations ( If Any Accounts Are in Collections ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), no collector may attempt to collect a debt that : Is fraudulent Can not be validated Was created through identity theft Attempting to collect on an identity-theft account constitutes false representation and unfair practices under 807 and 808.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal NOTICE OF IDENTITY THEFT and demanding immediate deletion of all fraudulent accounts, inquiries, and personal information appearing on my credit file. These accounts were opened, reported, or assigned without my knowledge, permission, or consent, and are being investigated as identity theft.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the credit bureaus and all furnishers are legally required to block, delete, and cease reporting any information that results from identity theft once notified. This letter serves as that notification.

LEGAL GROUNDS FOR DELETION 1. FCRA 602A & 609 ( e ) Identity Theft Rights You must provide me with ALL documents, applications, contracts, and records used to open or verify the fraudulent accounts within 30 days as required by law.

Failure to provide these documents is a willful violation of the FCRA.

2. FCRA 611 Reasonable Reinvestigation Requirement You must conduct a reasonable reinvestigation. Reporting unverifiable or inaccurate data is illegal. If the furnisher can not 100 % verify the account with original signed documentation, it must be deleted immediately.

3. FCRA 616 & 617 Civil Liability for Willful or Negligent Noncompliance Any failure to delete fraudulent information may result in : Actual damages Statutory damages Attorney fees Punitive damages These violations may be pursued in federal court.

4. FCRA 623 ( a ) ( 6 ) Duties of Furnishers After Notice of Identity Theft Once a furnisher is notified of identity theft, they are prohibited from reporting the account further and must block and delete it.

Continuing to report a fraudulent account after receiving this notice is unlawful.

5. FACTA Section 112 Fraud Alerts & Blocking Duties Upon receiving notice of identity theft, the bureau must : Block the fraudulent accounts Remove them from reports Prevent reinsertion unless certified as accurate Reinsertion without certification is another federal violation.

6. FDCPA Violations ( If Any Accounts Are in Collections ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), no collector may attempt to collect a debt that : Is fraudulent Can not be validated Was created through identity theft Attempting to collect on an identity-theft account constitutes false representation and unfair practices under 807 and 808.

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 2025-12-01 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: MD

Complaint narrative:
I am writing to dispute the accuracy of several accounts reported on my credit report. Below is a breakdown of the accounts in dispute, separated by bureau : CHARGED OFF TRANSUNION ( TU ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$530.00} LATE PAYMENT TRANSUNION ( TU ) : Account Name : XXXX XXXX AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I AM VERY UPSET. I have now created XXXX complaints for the same issue as none have been addressed. The first I canceled ( at the recommendation of the CFPB because it was not worded properly and I was unable to edit ). The second was canceled at the request of the creditor stating it was a duplicate. I am now creating this complaint for the XXXX time, because it has yet to be addressed by Goldman Sachs ( the company that the complaint is against ). PLEASE GOLDMAN SACHS RESPOND TO THIS COMPLAINT! 

I received via email an offer of credit from Apple. On this offer it stated preview your new credit limit offer in as little as a minute- with no impact to your credit score and a button that showed " Apply Now ''. I need to note that I get credit offers all the time and DO NOT apply because I know it causes a hard hit to my credit and I do not want my credit score reduced. Therefore, as I read " with no impact to your credit score '', I pressed the " Apply Now '' button. I was immediately approved for {$12000.00} Apple Credit card. I thought it would be nice to have the apple card on my XXXX. The very next day I received notice from my bank that my credit score had dropped. When I investigated ( called XXXX  ), I saw that Goldman Sachs ( Apple Card provider ) had ran a hard hit to my credit. I immediately called them. I explained that I was upset that they had placed a hit to my credit after sending an email that led me to believe there would be no hard hit to my credit. I asked them to remove the hit and they refused stating that " anytime you apply for credit, once accepted, it's a hard hit ''. I asked to speak to a manager or someone that could assist as I feel their email was intentionally deceptive and feel like I was " tricked '' into applying for their card. I was told by XXXX  that I should call Apple and ask them to provide me with a deletion letter. The manager at Goldman Sachs refused to provide the letter and stated that I should have known my credit would get a hard hit. I am disputing this hit to my credit. Once again, I would NEVER have applied for this card but was under the assumption " with no impact to your credit '' claim was legit. They can have their credit back as I don't want it if it affects my credit score!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

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 XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Digital Federal Credit Union has restricted my access to an active loan account that I am currently repaying. This prevents me from viewing my balance, managing payments, or accessing statements. The restriction is being applied due to an unrelated alleged past loss, which is not connected to my active loan. 

Blocking a borrowers ability to manage an open loan violates federal lending standards and creates risk of missed payments. I have asked DCU to restore access, and they have not done so. I am requesting that the CFPB require DCU to reinstate my online access 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