vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: DC

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

1681c2 ) that you, the Experian 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 Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$39.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  - Account Number : 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, Balance : {$3600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my checking account and noticed that there were XXXX {$200.00} transactions at XXXX different XXXX XXXX XXXX. I had briefly passed through there but did not make these purchases or withdrawals. I believe Ive fallen victim to a card swiping scam. Im not sure what happened but {$600.00} was taken from my account and Bank of America has deemed that it wasnt fraudulent and that I have to be responsible for the loss of this money.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account has been reported in my credit file that I did not authorize and that does not belong to me. 

The account details are : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/year> I have already filed an official FTC Identity Theft Report through IdentityTheft.gov. Pursuant to the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block and remove fraudulent accounts within 4 business days after receiving proper documentation of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my CMGXXXXXXXX XXXX dashboard began showing an autopay amount of {$9200.00} due on XX/XX/XXXX, more than double my pre-deferment monthly payment of approximately {$3300.00}. This occurred despite multiple written confirmations from Cenlar ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) that my principal and interest payments are deferred through XX/XX/XXXX, with only escrow of {$310.00} due monthly. 

This {$9200.00} charge contradicts the California Military Families Financial Relief Act ( Cal. Mil. & Vet. Code 8008XXXX ), which suspends principal and interest obligations during deferment, as well as the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ), which protects servicemembers from inflated charges and false delinquency. It also violates VA Servicer Handbook M26-4 and 38 C.F.R. 36.4350, which require proper application of payments and prohibit misrepresentation of amounts due. 

This action appears to be blatant retaliation against me for filing prior complaints. It directly followed multiple CFPB complaints and secure messages where I cited XXXX misapplication of payments and violations of military protections. Instead of resolving the issue, XXXX has escalated its misconduct by inflating my monthly payment to an impossible and unlawful amount, while misrepresenting my account as past due. 

Amount & dates : Normal monthly payment ( pre-deferment ) : ~ {$3300.00} Escrow required during deferment : {$310.00} ( confirmed in XXXX letters ) Inflated autopay amount shown : {$9200.00} due XX/XX/XXXX Why this is retaliation : Occurred immediately after my prior complaints were filed. 
Directly contradicts Cenlars own written deferment approvals. 
Creates financial pressure and risks negative reporting. 
Serves no purpose other than to intimidate me for asserting my rights as an XXXX XXXX and XXXX XXXX  ( protected classes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> I was purchasing a skid steer online from XXXX XXXX XXXX XXXX XXXX for {$35000.00}. I went to my bank and made a wire transfer payment to Bank of America to the account # XXXX with the routing number of XXXX for the {$35000.00}. 2 days later Bank of America contacted my branch of XXXX XXXX and told them there seemed to be fraudulent activity on this account and did they want us to proceed with payment. We told them no and ask that they return the funds to the bank. I have had XXXX XXXX contact them several times and they seem to not have any luck getting a answer on the return. It has been 60 days and it was suggested file XXXX complaints a XXXX and this one. My name is XXXX XXXX cell number XXXX XXXX Any help would be greatly appreciated. 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 2025-10-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 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: MO

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XX/XX/XXXX- XXXX - Account not mine XX/XX/XXXX- XXXX - Account not mine XX/XX/XXXX- XXXX - Account not mine XX/XX/1685XXXX - Account not mine XX/XX/LEAD- 60XXXX - Account not mine XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XX/XX/XXXX XXXX - Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank, N.A., the issuer of my Citi Mastercard ending in XXXX for unjustly refusing to process a lawful and authorized transaction. 

On several recent occasions, I attempted to complete a legitimate payment using my Citi Mastercard. Each attempt was declined under the pretext of fraud prevention. Citibank contacted me four separate times to verify that I was the cardholder and that the charge was legitimate. I explicitly confirmed each time that I authorized the transaction.

Despite my repeated verification, Citibank ultimately informed me that they would not allow the charge to go through because their internal system would not permit it, even though there was no fraud, no violation of law, and no reason provided other than the bank will not allow it. 

This conduct represents : Unfair and arbitrary denial of my right to use my credit line for lawful purposes. 

Failure to honor the cardholder agreement, despite my good standing and explicit confirmation. 

Financial harm and inconvenience, as I was prevented from completing a necessary payment despite fulfilling all security verifications requested by Citibank.

Requested Resolution I respectfully request that the CFPB require Citibank to : Provide a written explanation of the exact policy, rule, or regulation that allegedly prevented this lawful transaction.

Immediately correct this restriction and allow authorized cardholder-verified transactions to be processed. 

Compensate me for any financial harm, delays, or penalties that I suffered as a direct result of their refusal to process this charge.

Citibanks actions constitute an unreasonable interference with consumer rights, and I believe they are acting in violation of fair credit practices under CFPB oversight.

Thank you for your attention to this matter. I look forward to the Bureaus review and to Citibanks formal written response.

Sincerely,

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NC

Complaint narrative:
This account says it is collecting on behalf of XXXX. I called XXXX and they have no records of me owing this amount. My account is positive with them so they advised they did not sell this to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hi I sent XXXX wires they are both missing and have been missing for 2 days. Wires are immediate. We are now approaching 3 days and I am worried I won't see it. 

I am not the only XXXX as I have seen on XXXX that several other people are missing wires, waiting XXXX days for a response and for the wire to post. 

Customer Service is by email and not very responsive. Wires should never take this long. 

Wire sent XX/XX/year> - {$10000.00} Reference ID XXXX Wire sent XX/XX/year> - {$11000.00} Reference ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 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: TX

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 : ACCOUNTS :XX/XX/XXXXXX/XX/XXXX{$190.00} 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 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