vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently opened a checking account with Citibank and so far it has been an absolute nightmare. They have locked my account over 3 times now after trying to make a wire transfer. 

Every time they send me the same email saying they were unable to contact me to verify a wire transfer but ZERO attempt were made to contact me in each of the previous wire transfer attempts. They dont call, email, or text me whatsoever. They simply send me the same generic email saying my wire is cancelled because they could not contact me. 

Now my account is completely locked again. I can not log in to it online, I can not use my debit card, i can't do anything. I call them and they tell me my account is fine and its just technical issues on my end which is completely false. They have my account locked now and refuse to allow me access. 

I now have a useless checking account and my funds are being held 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 2025-06-11 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: NV

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I had an account opening with Chase. They recently close my account because I try to transfer money from another bank account to chase. They closed my account around XX/XX/year>2024 until now there is still {$2000.00} left in the account but they refuse to give it back to me. They said that my phone number is register under another name that they may suspect it is fraud. I came to chase brand and talk to a representative and she is very helpful. She tried to call the head quarter to get back that fund still left in the account but the head quarter keep kicking the ball to different phone number to resolve the problem. I have to stoo by the brand at least one time in a month to complain but it is not going anywhere. I need to put pressure on the bank so that they need to return my money.

I swear that all information i provide will be truth and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

PORTFOLIO RC XXXX has violated my rights. 

They are in violation of 15 U.S.C 1681 section 602A states I have the right to privacy.

Another violation they are infringing upon is : 15 U.S.C 1692C ( C ) : that law clearly states If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communications 15 U.S.C 1692B Section 5 : States, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

I havent given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a fraudulent credit inquiry that appears on my credit reportan inquiry that I did not authorize, did not consent to, and had absolutely no knowledge of until recently reviewing my report. 

Let me be clear : this inquiry was made online without my permission, and I consider it an unauthorized and fraudulent action that compromises the integrity of my credit profile. I have no connection to this request, did not initiate any such application, and did not provide my information for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used XXXX  to make a payment ( a big sum ) unfortunately the payee gave me the wrong phone number, so immediately I called to stop the payment since the money was already drafted from my account ( we're talking about a few minutes span ). The representative from XXXX  tells me it'll take XXXX business days for the money to be refunded, possibly sooner since there was no account registered to the phone number I had used. After waiting 3 days, I received nothing. I called again and then they told me XXXX business days. I waited the XXXX business days, and again, nothing. I chatted with a support XXXX who tells me they will send it to upper management to expedite it and that it would be in my account the same day. The next day comes and to my surprise, again, there's no funds refunded to my account. AGAIN, I call XXXX and they tell me that they had refunded the money to my bank XXXX business days prior and that now I have to wait XXXX business days. I asked to speak to management and now management is telling me I have to wait a total of XXXX business days from that day because they had sent it to XXXX. I called XXXX and they said they don't have any transactions from XXXX other than the one where my money was withdrawn. It has now been XXXX business days, and no one knows where my money is nor when I'll receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
On or before XX/XX/year>, I identified several unauthorized and/or inaccurately reported accounts on my credit report that I did not open or do not recognize. These accounts appeared across multiple credit reporting agencies, including Experian, Equifax, and TransUnion. 

The disputed accounts include the following : XXXX XXXXXXXX XXXX  XXXX Account closed, balance {$0.00}, account number partially redacted. 
XXXX XXXX XXXX XXXX XXXX Account closed, balance {$0.00}. 
XXXX XXXX Account open with a reported balance of {$8500.00} and monthly payment of {$400.00}. I do not recognize this account. 
XXXX XXXX XXXX XXXX XXXX account, balance {$0.00}. 
XXXX XXXX Active account showing {$40.00} past due, with a total balance of {$100.00} and a credit limit of {$2500.00}. 
XXXX XXXX XXXX Closed account, balance {$0.00}. 
XXXX / XXXX Closed account showing {$110.00} past due, with a balance of {$390.00} and a monthly payment of {$39.00}. 
XXXX XXXX - XXXX XXXX account showing a balance of {$1900.00} with payment status marked as " Unknown. '' These accounts were either opened without my authorization or are reporting inaccurately. I submitted formal disputes to all three major credit bureaus and requested an investigation into the origin and legitimacy of each account, referencing protections and procedures outlined in the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i, and 1681i ( a ) ( 5 ) ( A ).

Additionally, I requested that all prior addresses that do not match my current verified address be removed from my credit file. As part of my dispute, I submitted proof of identity including a government-issued ID and a recent utility bill to confirm my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NCA regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NCA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$1700.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NCA buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
I am filing this complaint regarding the failure of Equifax, Experian and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.

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 2025-06-11 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: NJ

Complaint narrative:
I am filing this complaint regarding the failure of Equifax, Experian and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.

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 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$22000.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : 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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$790.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate and properly not verified. XXXX XXXX card number ending in 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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and harmful information on my credit report from XXXX XXXX XXXX XXXX ( XXXX ). The account shows a {$15.00} past due balance and a 30-day late payment reported in XX/XX/year>. 

I have disputed this several times, and Experian has failed to provide legally required documentation to verify the alleged delinquency. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Experian has a duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) They must conduct a reasonable reinvestigation or delete unverifiable data.

No sufficient documentation has been provided to substantiate this derogatory payment history. The account in question is harming my credit, and its reporting is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and harmful information on my credit report from XXXX XXXX XXXX XXXX ( XXXX ). The account shows a {$15.00} past due balance and a 30-day late payment reported in XX/XX/year>. 

I have disputed this several times, and Experian has failed to provide legally required documentation to verify the alleged delinquency. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Experian has a duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) They must conduct a reasonable reinvestigation or delete unverifiable data.

No sufficient documentation has been provided to substantiate this derogatory payment history. The account in question is harming my credit, and its reporting is a violation of my rights under 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 2025-06-11 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account XXXX : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00}

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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
I applied to refinance the mortgage after my husband passed. Payments were initially declined, then accepted. I was placed in a loan assumption process, then removed with no explanation. Now they have planned a foreclosure sale that I have filed a temporary restraining order to hopefully resolve the issue and save my home. Bank records will validate payments have been made and satisfied timely throughout this entire fiasco stretching back to XX/XX/year>.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation