vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had my Citibank account closed on XX/XX/scrub>/2025. They told me they would send a letter in the mail stating why it was closed. I was then told I would receive my funds within 30-60 business days. Today is day 50 since my account was closed and I never received my funds via check or any letter. I called today to get an update and was told I am not entitled to my funds via an investigation that has taken place and they provided no information to me of what investigation and why.

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 2025-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing unauthorized access to my credit report. Several companies have made inquiries without my consent, directly harming my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. 

This failure to act is unacceptable. The continued presence of these unauthorized inquiries is highly alarming, suggests possible identity theft, and is causing me ongoing harm.

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 2025-08-23 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: Chime Financial Inc
State: MO

Complaint narrative:
I called Chime banking to dispute a charge they told me they couldnt do anything about the charge because I willingly paid. I was still scammed as I did not receive what was asked for. I paid someone an application fee to view a property on XXXX XXXX. In the state of Missouri you have to allow a tenant view the property before rushing them to sign a lease and request a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>2024, I sold a computer to a buyer through XXXX XXXX for {$550.00}. We agreed on the price via chat, and the buyer sent the money through XXXX, which cleared into my Wells Fargo account. 

On the same day, I provided proof that the computer was working and disclosed that one component might be failing soon, giving the buyer a discount because of it. The buyer asked whether the computer could handle an extra component, and I confirmed it could, as long as the power supply could handle it.

After the transaction, the buyer falsely reported the payment as fraud to his bank. Wells Fargo then blocked my XXXX access, stating they can not reinstate it unless the buyer revokes the claim. I attempted to contact the buyer multiple times, but he ignored me. The buyer also claimed that I had blocked him, which is not true. 

I have evidence of the transaction and chat messages showing the agreement, disclosure, and proof the computer worked. Despite providing this information, Wells Fargo refuses to unblock my XXXX account. 

I also submitted a report to the XXXX XXXXXXXX regarding this incident ( Case ID : XXXX ) to document the false fraud claim and its ongoing impact. 

Being blocked from XXXX has prevented me from sending money for rent, bills, and to family, causing ongoing inconvenience and disruption.

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 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade Capital, LLC
State: WA

Complaint narrative:
Debt Collector Company Name : XXXX XXXX XXXX Collector Representative Name ( s ) : XXXX and his " Boss '' Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX Complaint Type : Debt Collection / Harassment / Threats Complaint Description : I am disputing this debt as a billing error. The account in question is related to a medical visit from XX/XX/XXXX, which should be covered under my XXXX & I claim and/or Washington XXXX XXXX XXXX I have contacted the hospital and insurance to correct the billing. 

Over the past few days, I have experienced repeated harassment and threatening behavior from the representative, XXXX, and a boss on a call, including : Being told I had to pay immediately to receive a 50 % discount, and that the offer would not be available in a future call. 

Being pressured with take it or leave it and told the discount would disappear if I did not pay immediately. 

On a three-way call, being told, after today the discount wont be there so you have to pay, do you understand me? I requested that they hang up, as I did not consent to continue the conversation under threat. 

Calls that lasted excessively long and attempts to intimidate me into paying without validation. I have informed the representatives that I am disputing this debt with the hospital and insurance. 

I am requesting that the office cease all collection calls and harassment until the debt is properly validated and corrected. I am documenting these interactions and will escalate with the CFPB, Washington State Attorney General, and FTC if necessary. 

Dates and Time ( XXXX  ) of Phone Calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Side Note : Most calls were initiated by me, but they also called me. This complaint addresses the communication tactics used, including harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : Nationstar Mortgage LLC Disputes Department RE : CEASE & DESIST DEMAND FOR DEBT VALIDATION Account No. : XXXX ________________________________________ To Whom It May Concern, This letter serves as a formal cease and desist notice and a demand for full debt validation concerning the above-referenced account. I dispute the validity, accuracy, and enforceability of this alleged debt in full.

Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to provide complete documentation validating this debt before engaging in any collection, reporting, or third-party communications. Until such validation is provided, all collection activity must cease immediately.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), reporting inaccurate or unverifiable information to credit bureaus is prohibited. Failure to remove unverifiable data constitutes willful noncompliance and subjects your organization to potential liability.

I demand the following : 1. A copy of the original signed agreement or contract establishing this alleged debt.

2. A full, itemized accounting of the alleged balance, including all fees, charges, and interest.

3. Proof of your legal authority to collect or assign this debt.

4. Documentation demonstrating compliance with the Truth in Lending Act ( 15 U.S.C. 1601 ; 12 CFR 1026.13 ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ).

If you fail to provide the above within 30 days, you must : Cease all collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows: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 XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-23 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-08-23 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a documented victim of identity theft. Barclays Bank Delaware made two unauthorized hard inquiries on my XXXX  credit file in XX/XX/year> ( XX/XX/year> and XX/XX/year> ). I did not apply for credit with Barclays, nor did I grant permission for these inquiries.

Under the FCRA 604 ( a ) ( 3 ), no permissible purpose existed. Pursuant to FCRA 605B, XXXX  is legally
required to block these fraudulent inquiries within 4 business days of receiving my FTC Identity Theft Report ( FTC Report # XXXX ) and police report. XXXX has failed to do so.

This inaction violates the FCRA, GLBA 6801, and XXXX XXXX XXXX standards which require accurate, verifiable, and lawful reporting.

I demand immediate deletion of these inquiries and correction of my personal file. Continued failure to comply exposes XXXX  and Barclays to civil liability under FCRA 616617.

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 2025-08-22 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KLS Financial Services, Inc
State: MS

Complaint narrative:
I am writing to formally raise a concern regarding my credit report, as I have recently discovered items that I believe are inaccurately or unfairly affecting my creditworthiness.

During the process of applying for a mortgage loan to purchase a home, I obtained my credit reports and noticed entries that I believe are either erroneous, outdated, or misleading. These items are negatively impacting my credit score and, as a result, harming my ability to secure stable housing and financial opportunities.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is stated that consumers are to be protected from the inclusion of inaccurate or unverifiable information in their credit reports. Furthermore, the law emphasizes the importance of fairness, impartiality, and respect for the consumers right to privacy and reputation. Inaccurate or damaging information can lead to defamation of character and unjust financial harm. 
I respectfully request that the CFPB investigate this matter. I also request your guidance and assistance in resolving these issues with the relevant credit reporting agencies and data furnishers. I believe my rights under the FCRA have been compromised, and I am seeking to ensure that only fair and substantiated information is used in the determination of my creditworthiness. 
Please let me know what additional information or documentation I need to provide in order to initiate a formal review or complaint. I appreciate your time and attention to this matter and look forward to your support in helping to correct and protect my credit profile ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of account number XXXX by XXXX XXXX XXXX, which currently appears on my Experian credit report. The account is inaccurately listed as both charged off and past due as of XX/XX/scrub> 2025. This dual classification violates the XXXX XXXX Format guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ), which clearly state that an account can not be simultaneously reported as charged off and past due. Once an account is charged off, it is no longer considered a collectible receivable, and continuing to report it as past due is misleading and noncompliant with industry standards. 
In addition to this reporting discrepancy, I have not received any documentation validating the debt. There has been no debt validation notice, no IRS Form 1099-C indicating cancellation of debt, and no purchase agreement or chain of custody establishing ownership transfer. The absence of these materials raises serious concerns about the accuracy and legitimacy of the reported account.

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice, as outlined in 15 U.S. Code 1681i ( Section 611 ). Furthermore, 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain procedures designed to ensure the maximum possible accuracy of the information they report. In addition, Regulation F, as implemented by the Consumer Financial Protection Bureau ( CFPB ), prohibits debt collectors and furnishers from engaging in deceptive practices and requires that all reported information be accurate and substantiated.

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