vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
b'In XXXX XXXX I initiated an international wire transfer from my XXXX bank to be credited in the United States. The transfer was routed through Citibank as intermediary. My originating bank later provided full XXXX  tracking confirming that XXXX XXXX rejected the transfer and returned the full amount to Citibank, where the funds have remained since XXXX XXXX XXXX. I hired a lawyer in XXXX, and after repeated attempts the originating bank formally stated they could not take further action. I also filed a prior CFPB complaint with XXXX XXXX, but they were unable to locate the funds without internal routing details that only Citibank holds.\n\nI then submitted a CFPB complaint to Citibank. Citi responded with a generic privacy disclaimer, did not address the issue, and marked the case closed. I emailed Citibank again with the full XXXX  and English documentation showing that the funds are stranded in Citibanks custody and asked them to either return the funds to origin or re-route them correctly. Citi has not responded yet, and I am submitting this new complaint in the meantime with all supporting documents attached.\n\nAttachments:\n My reply to Citi Executive Response Unit after their initial CFPB reply.\n XXXX  original letter from XXXX  confirming the XXXX  trace, return from XXXX XXXX, and that the funds have been held at Citibank since XXXX XXXX XXXX.\n English translation of that letter.\n XXXX  original letter from my lawyer summarizing the originating banks position and the fact that further resolution must now occur between Citibank, XXXX XXXX, and XXXX XXXX.\n English translation of the lawyers letter.\n\nPlease contact me directly at XXXX XXXX XXXX or 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-02 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
b"This has been a reoccurring problem with employees at Mountain America Bank in XXXX  and XXXX  County, Utah.\n\nI go in cash a check or take cash out of my account. In the past, and just recently, the Bank employee issued me $XXXX bills with the numbers:XXXXThese are your employees, associates, friends and family members...pushing their religious passive aggressive XXXX  behavior onto customers. There is a reason for separation of church and state...and yet, I can't even walk into a bank and/or business and take money out without having to deal with certain employees acting and behaving this way. I don't care what the reason is, your employees do it intentionally, over and over. You are aware of these issues."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been completely silent and non-responsive to every attempt I have made to resolve this situation, including my written hardship request and multiple regulatory filings. Their so-called XXXX XXXX XXXX, including XXXX and XXXX, has ignored my case entirely. I have not received a single meaningful response from them since XXXX, despite the fact that they were fully aware I am in a documented financial hardship. 

Instead of assisting, Bank of America continues to pile on fees and raise my minimum payment even after I made a good-faith payment last month to show I was trying to cooperate. That payment was completely disregarded. They immediately added more fees and pushed my minimum even higher. Now, with a new billing cycle approaching, I can not pay this inflated amount. What is Bank of America going to do nowTRIPLE charge me? Add even more fees? Their conduct is abusive and predatory. 

Bank of America refuses to provide ANY written hardship plan, ANY explanation of the doubled minimums, or ANY acknowledgment of my written-only communication request. They are violating my rights, ignoring every regulator ( CFPB, DFPI, OCC ), and intentionally allowing fees to snowball even though they know I am in a hardship. Their silence is NOT accidental ; it is deliberate and shows bad faith. 

I can not pay this months doubled amount. Bank of America knows this and is still choosing to ignore me while continuing to damage my account. Their behavior is unacceptable, abusive, and deceptive. They have refused to communicate, refused to help, and refused to respond to any regulatory agency.

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
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXXXXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. The inquiry was not authorized XXXX Date of Inquiry : XX/XX/year> I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 Chapter 41 specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
b'According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below: XX/XX/XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance $XXXX  Date Last Active:XXXX XXXX  Balance - Date Last Active:XXXX XXXX CARD/XXXX BANK XXXX  XXXX  Balance $XXXX\XXXX  XXXX Balance $XXXX  Date Last Active:XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX  Balance $XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XX/XX/XXXX, NJ XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used my CareCredit card for dental treatment at Bright Now Dental in XXXX XXXX, CA between XX/XX/XXXX and XX/XX/XXXX. After reviewing my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the itemized dental receipt I received from the provider, I discovered significant overcharging, incorrect billing, and possible fraudulent activity. 
XXXX Now XXXX repeatedly charged amounts far above the insurance allowed amount, and then billed the remaining balance to my CareCredit card even though they are an in-network provider and should not balance-bill above contract rates. XXXX flagged multiple claims with the code XXXX charge exceeds allowable rate. 
The dental office also charged me for procedures and add-on services that were not submitted to insurance at all, including XXXX decontamination, oral irrigation, take-home medicament, and cosmetic upsell fees. These extra charges added hundreds of dollars to my CareCredit balance. 
In addition, XXXX Now XXXX ran charges on my CareCredit card before claims were processed, and in some cases for services that insurance later denied ( such as repeated X-rays that exceeded frequency limits ). My CareCredit balance increased even when insurance reduced or denied portions of claims. 
I believe I was overcharged, incorrectly billed, and charged for services that were inflated or not covered. I am requesting a full review of these charges and whether they were appropriate, authorized, and billed correctly. 
I have attached copies of my insurance EOBs, the dental offices itemized receipts, and screenshots of my CareCredit balance history.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NV

Complaint narrative:
Unifin ( XXXX ) XXXX with a contact link unifintext.com/mlwbh repeatedly texted stating I owed a debt. XXXX knew my phone number and account number attached to my phone stated I owed several XXXX debt with payment plan options to XXXX XXXX Called number and lady stated the same, debts from XXXX to XXXX ( would not be relevant even if it was true which is not ) and offered lower amount due if I paid today. When I stated this is false, quickly closed conversation and stated I had to call back today in order to have offer of lower amount of settlement accepted. Clearly a scam being sent to people with website and phone number of a scam company called unifin set up, using along knowledge of my name, address and phone number in an attempt to get me to pay false monies owed over {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX | XXXX : XXXX * -- To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Demand for Deletion of Inaccurate, Unverified, and Unlawful Accounts To Whom It May Concern, This letter is a formal dispute and demand for deletion under the Fair Credit Reporting Act ( FCRA 602, 604, 605, 605B, 611, 623 ), the Fair Debt Collection Practices Act ( FDCPA 806809 ), the GrammLeachBliley Act ( GLBA 68016802 ), and Metro 2 reporting standards. Despite prior disputes, you continue to report inaccurate and unverifiable items, causing harm to my consumer report. You are required by law to immediately delete all unverified information. Disputed Accounts XXXX XXXX  Account number : XXXX XXXX BANK Account number : XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX Legal Grounds for Deletion FCRA Violations Failure to provide Method of Verification ( 611 ( a ) ( 7 ) ). Reporting unverifiable data violates 611 ( 5 ) ( A ) requires prompt deletion. Reporting identity theft items violates 605B ( must block within 4 days ). GLBA Violations Disclosing my private data without permissible purpose ( 68016802 ). Metro 2 Compliance Failures Incorrect names, DOBs, addresses, and statuses = noncompliance ( E-Oscar Codes 105, 107, 23, 24 ). FDCPA Violations ( re : collections ) 807 False/misleading representations. 808 Unfair practices. 809 Failure of proper debt validation. My Demands Delete immediately all the above accounts and inaccurate personal information. Provide the original signed contracts ( not screenshots, not bills ). Provide written proof of permissible purpose for each inquiry and furnisher. Failure to comply within 30 days of receipt will result in : Formal complaints filed with the CFPB, FTC, Arizona Attorney General, and BBB. Civil litigation seeking statutory damages under FCRA 616617 and FDCPA 813. This notice is sent Certified Mail Return Receipt Requested ( CMRRR ). Continued false reporting after this letter will be treated as willful noncompliance and defamation. Sincerely, Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I bought an XXXX on apple on line store using my account balance. They did not use the balance and charge in full on my apple credit card. The money is stuck on the apple account and they want me to pay in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime allowed XXXXXXXX XXXX to take thousands of dollars I never authorized from my XXXX XXXX XXXX XXXX. XX/XX/year> Chime charged me XXXX XXXX monthly for a Chime credit card that I used once to pay my bills. Chime never removed it from my credit report nor was I reimbursed for the {$630.00} that was took monthly without my knowledge. Chime would put a withdrawal limit on my money & money would disappeared from my Chime account and my transition history would be replaced with year old transactions.

Company response to consumer: Closed with explanation