vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: 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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom it may concern, I lost my Citibank Double cash card alongside my wallet which included my Driver 's License and all other credit cards few weeks ago while I was away on a trip. 
Upon returning, I discovered that a bunch of unauthorized charges were made on the lost Citi Double Cash card, I immediately notified Citi of the problem and was reassured that I am not liable for those unauthorized charges. Today is XX/XX/year> and still I have not received finalized credit for those unauthorized charges as Citi Promised.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
A capital one credit card was applied for online with my social security number and PII. I never applied for one and need to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have to credit cards that were charged off during covid-19 while I was out of work and not using my accounts due to the fact that I had subscriptions I had forgotten about and didn't check my accounts for several months.

I have since settled with debt collectors and paid off all of the accounts but they won't remove them from my dashboard in the Capitol one app. Ive tried reaching out but nobody can seem to help me get them taken off of my dashboard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Regional Acceptance Corp is inaccurately reporting an auto loan that was charged off in XX/XX/year>. Despite the charge-off, the account continues to reflect a past due balance of {$32000.00} and is being updated monthly as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), data furnished to consumer reporting agencies must be accurate and not misleading. According to Metro 2 reporting guidelines, once an account has been charged off, it should not continue to show as past due or be updated monthly unless the account is in active repayment, which this is not.

Additionally, the account is jointly held, and I have reason to believe the balance and/or liability may be misreport
ed, which also requires re-verification under FCRA 623 ( a ) ( 2 ).

I previously submitted a dispute through XXXX requesting correction or deletion of the inaccurate reporting. The data furnisher failed to resolve the issue or provide meaningful validation. 

I am requesting that : The past due status be removed, The full balance and joint responsibility be re-verified, And the account be deleted entirely if the information can not be validated and corrected to meet compliance standards. 

This dispute has already been escalated to XXXX I am now asking the CFPB to investigate and enforce correction in accordance with 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am submitting this new complaint because I now have clear documentation showing that Citis explanation in their XX/XX/year> response to my prior CFPB complaint XXXX XXXXXXXX was factually incorrect and inconsistent with their own XX/XX/year> closure notice. The attached exhibits prove that : - My account was not in default at the time of closure. 
- I took immediate corrective action after a single returned payment. 
- Citi is now relying on events that occurred months after closure to justify their decision retroactively. 

Timeline of Events : XXXX. XX/XX/year> A scheduled {$2500.00} payment was returned for insufficient funds. 

XXXX XXXX XXXX XXXX  As soon as I was notified, I submitted five separate payments : {$500.00}, {$1300.00}, {$10.00}, {$50.00}, and {$1200.00} totaling {$3000.00}. All cleared successfully and posted before the due date. This brought my account current and paid more than the original returned payment. ( See Exhibit A XXXX statement. ) XXXX. XX/XX/year> Citi mailed me a closure notice citing one or more late or returned payments on this account or another Citi account in the past 12 months as the sole reason for closure. No other events were mentioned. ( See Exhibit B closure letter. ) XXXX. XXXX XX/XX/year> I contacted Citi to dispute the closure. I was told I could not take any action on my account and that someone would follow up with me. No follow-up ever occurred. 

XXXX. XX/XX/year> & XX/XX/year> These are the later missed payment dates that Citi referenced in their XXXX CFPB response. These occurred after the XX/XX/XXXX closure, while the account was already inaccessible to me. 

Contradictions in Citis Position are as follows : - At the time of closure ( XX/XX/XXXX ), account was current and not in default. 
- XXXX XXXX payments had posted, exceeding the original returned payment by {$560.00}. 
- The only reason given was the returned payment, which I had already resolved. 
- In Citis XX/XX/XXXX CFPB Response, they shifted their justification to include XXXX and XX/XX/year> missed payments. This is factually impossible those dates are months after closure and occurred while I had no ability to make payments due to the account being frozen. 

Citi closed my account and forfeited over {$1000.00} in earned rewards despite my immediate corrective action, my account being current at closure, and my consistent history of paying early and over the minimum due. The later justification they provided to the CFPB is misleading and appears to be an attempt to retroactively justify an excessive and punitive closure decision.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to open a Truist XXXX Checking account in XX/XX/year> in order to qualify for their advertised {$400.00} bonus offer, which requires direct deposits totaling {$1000.00} within 120 days. I meet all of the publicly listed eligibility criteria : I am a U.S. tax resident on an XXXX XXXX I have a valid Social Security Number, a Texas mailing address ( an eligible state ), and I do not have a prior checking relationship with Truist. I also currently hold a mortgage account with them. 

When I tried applying online, the system did not allow me to complete the application and referred me to visit a branch. At the branch, the representatives were unfamiliar with the offer details and incorrectly claimed that only U.S. citizens or permanent residents could qualify. They refused to verify this or escalate to a supervisor. I contacted Truist customer service, who then repeated that the bonus was only for citizens or green card holders due to unspecified tax issues. This restriction is not disclosed anywhere in the promotional terms or application process. 

I believe Truist has misrepresented the terms of this offer and improperly denied my eligibility based on inaccurate or discriminatory internal policies. I am requesting that Truist either allow me to open the checking account under the advertised terms or provide a formal written explanation of the legal basis for excluding U.S. tax residents on XXXX XXXX or any other valid 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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I own rental property at XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  zip code XXXX. A tenant had ran a gas bill up on me without my knowledge. I found out through a letter to my residence which is different from my investment property. I contacted them paid them over half, told them I needed a couple of months on the balance. I wanted to find the tenant and get them to pay the rest of the balance. I assumed it was okay after I hun the phone up. The balance was only XXXX dollars. I went to look at my credit reports and there's a collection for XXXX dollars which caused my credit score to drop XXXX points. I lost my buying power which will cost thousands because of a higher interest rate for XXXX dollars they ruined my financial capability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the
information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB ( Complaint XXXX XXXX ) after reviewing my credit reports and finding multiple accounts reporting inaccurate, inconsistent, or misleading information. I had already disputed these issues multiple times directly with the credit bureaus, but some changes were only made after repeated disputes, while others remain unresolved. These inconsistencies continue to damage my credit, and the credit bureaus have not conducted reasonable investigations. As of XX/XX/year>, more than 30 days have passed since my complaint was sent to Equifax. Equifax 's interim response acknowledged receipt but stated they needed more time, failing to provide a final resolution within the 30-day investigation period, which constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
I was trying to set up a bitcoin wallet account. I was advised to use Blockchain. There were issues verifying my phone. They could not explain why, still to this day, why my phone can not be verified. I was on the phone with them in excess of 4 hours to set this up. Issues of trying to get funds transferred from various sources. I went through XXXX and transferred {$2900.00}. The company kept trying to put it in my wallet. They went back again and tried to do another XXXX transfer and that's when I said " NO ''. I have since called them again and they want access to my phone and when it gets down to it, they want me to do another XXXX transfer and, again, that's when I said " NO '' and they hung up. I have tried everything I know to get my initial investment back without success. Now I'm coming to you. This week, my XXXX account was locked. XXXX could not explain why, as well as my XXXX XXXX account. I don't know if that had anything to do with access to my phone. Just wanted to include that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: IA

Complaint narrative:
Tried to set up payment arrangement, was that the computer wouldn't accept the amount

Company response to consumer: Closed with explanation