vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies on my credit report that have negatively impacted my creditworthiness. Despite my efforts to correct these errors with the reporting agencies and creditors, the issues remain unresolved. The inaccuracies are as follows : XXXXXXXX XXXX Addresses Listed on My Credit Report : XXXX XXXX, XXXX, IN XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have never resided at these addresses, and their presence on my credit report is completely inaccurate. These erroneous addresses are misleading, create confusion, and potentially contribute to identity misattribution. I request the immediate deletion or correction of all inaccurate address information associated with my account. 

XXXX. Unauthorized or Questionable Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> I do not recognize these inquiries, and they appear to have been made without my authorization. Such entries are potentially harmful and should be investigated promptly. I request these inquiries be removed from my credit report unless the reporting entities can provide documented authorization. 

These inaccuracies constitute a serious violation of the Fair Credit Reporting Act ( FCRA ), and I insist on a thorough investigation by the reporting agencies to correct or delete the incorrect information immediately. 

Please confirm receipt of this complaint and provide a detailed response regarding the actions taken to rectify these errors. I also request documentation of the outcome of any investigation conducted. 

Thank you for your prompt attention to this urgent 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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX I requested to put {$3000.00} from my bank account to my XXXX account. 
My bank put a stop on the ACH, so XXXX XXXX  went into my XXXX account. 
XXXX  now claims that they put {$3000.00} back into my bank account. 
We have called XXXX 6 times. Each time no one has called me back. 
My bank has been working with us on this. They lifted ACH restrictions, etc. 
XXXX $ to this day has gone into my bank account. 
My last call to XXXX  was XX/XX/XXXX. I spoke to XXXX XXXX XXXX XXXX She promised to call me back on XX/XX/XXXXXXXX XXXX XXXX XXXX with a bank trace # of the transaction. She never called or sent an e-mail. At one point I gave a rep from XXXX 2 e-mails to be sure they could get ahold of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently opened new checking and savings accounts at Citi Banks XXXX XXXX XXXX. The branch representative, XXXX, informed me of a promotional offer stating that if I deposited {$10000.00} in new funds ( by check or direct deposit ) within 10 business days, I would receive a {$750.00} bonus.

To qualify, I deposited two checks ( each for {$1000.00} ) from my own business via Citis mobile app. The checks were processed successfully and the funds were withdrawn from my business accounts the next day. However, the following day I received an email from Citi stating that my accounts would be closed due to a violation of terms. 

When I called customer service, I was told that Citi could not verify the phone number of the business listed on the checks. I explained that I am the owner of that business and the checks were legitimate, but Citi did not request any supporting documents or clarification before closing the accounts. Instead, the account were immediately restricted. 

I later visited the same branch and spoke with XXXX XXXX, but he was unable to determine the real reason for the closure. My concern is that if Citi suspected the checks were fraudulent, they should not have processed and cleared them. If the checks were legitimate, there is no reason to freeze my funds and delay returning them for 60 days. Citis handling of this situation lacks transparency and due process.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am a victim of a data breach and multiple unauthorized or inaccurate accounts reported by XXXX, constituting willful violations of the FCRA ( 607 ( b ), 609 ( a ), 611 ( a ), 611 ( a ) ( 5 ) ). Prior disputes were ignored, causing financial harm, including lower credit scores, higher interest rates, and denied credit. 
Disputed Accounts : XXXX  Exeter Finance XXXX Charge-off, disputed balance Verify/delete XXXX XXXX  XXXX XXXX Multiple late payments Correct/delete XXXX XXXXXXXX XXXX XXXX XXXX late Verify/delete XXXX XXXXXXXX XXXX XXXX Collection, no verification Verify/delete Requested Actions : 1. Investigate XXXX willful FCRA violations.

2. Ensure immediate correction or deletion of all inaccurate, unauthorized, or unverifiable accounts.

3. Enforce my FCRA rights and advise on additional consumer protections.

4. Hold XXXX  accountable for statutory damages ( {$100.00} {$1000.00} per willful violation ) and civil liability if not corrected promptly. 
Attachments : Credit reports showing disputed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: DE

Complaint narrative:
I have received notification from AES that my payments have been put on hold. I have XXXX personal Loans through XXXX. Since this last XXXX. We have been making payment anyways. Our account still shows no payment is due. And there is no due date or amount due. This last month we did not make the payment so we could cover other expenses that popped up. I got a notification that I have XXXX late accounts on my credit report. Both of the late accounts are from AES. This has greatly reduced my credit score and I would like it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am listed as an authorized user on a JP Morgan Chase credit card obtained when I was married. The divorce terms were to have each other removed as authorized users. This card still has me as an authorized user. I called Chase and they refused to remove me as an authorized user since I did not have the full account number nor was I the card owner. I have no contact with the card owner so I cant get the number or have her remove me and the issuer, Chase, refuses to remove me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Delete my account due to inaccuracy or remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Delete my account due to inaccuracy or remove the late payments.

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 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year> my XXXX placed a foreclosure on my address at XXXX XXXX XXXX XXXX XXXX XXXX FL. The matter was settled on XX/XX/XXXX and documents were send to Wells Fargo from XXXX XXXX XXXX on XXXX XXXX Fl. Wells Fargo continued to show my home in foreclosure. On XX/XX/year> I went to the local back and we called and faxed the court documents. On Friday XX/XX/year> Wells Fargo attempted to withdraw {$3800.00} from my account for Fees. This matter was resolved with my HOA and the courts on XX/XX/XXXX, There was no reason for Wells Fargo to take any other actions Account Number 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 2025-11-08 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: GA

Complaint narrative:
My card was charged {$1400.00} unauthorized. I disputed it with my bank and they denied my claim 2 times i have never had a transaction this large come through my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
When Shell point mortgage took over my account, they paid the real estate taxes, property, taxes, flood insurance, homeowners insurance after it already been paid and they put my payments up to what it was. I brought it to their attention and they didnt do anything about it theyre trying to XXXX me. I spoke to him just now and theyre not willing to do anything to help me. Keep in my home of 54 years both my husband and I are on XXXX and we need help. Theyre not going to help us. They want to sell on the street. Please help please please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX writing to dispute the accuracy of this account being reported on my credit file. I recently received XXXX refund checks from this company connected to this same account. Because of that, it does not make sense for this account to still show a balance owed or be listed as negative. 

This reporting is inaccurate, and I dont understand how I could owe any amount when the company themselves issued refund checks to me. The balance and status shown are not correct and do not reflect the true state of the account. 

XXXX requesting a full review and deletion of this account from my credit report due to the inaccurate information and conflicting financial records. Please confirm once this account has been removed. 

Thank you for your time and quick attention to fix 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 explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with fair credit report ACT ( FCRA ) the list accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 U.S.C.

1681 Account name : XXXX XXXX XXXX  # XXXX has violated my rights, and according to the fair credit report act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 U.S.C. 1681i ( A ) ( 5 ), TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 U.S.C. 1681s-2 they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S.C. 1681 B ( A ) ( 1 ) A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The company XXXX  XXXX is charging me Past due amount {$4300.00} That account is not XXXX and I can have Equifax delete it from my credit y en adicional tengo unas XXXX inquired y deskThat they also delete them XXXX XXXX  XXXX finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX BANK INDIRECT XXXX & XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially fraudulent activities on my credit report. Despite my previous efforts to correct these errors directly with the creditors and collection agencies, the issues remain unresolved. These inaccuracies are severely impacting my creditworthiness and must be addressed immediately. 

XXXX. Incorrect Addresses on File : XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Not my address. 

XXXX XXXX XXXX XXXX, XXXX, UT XXXX Not my address. 

XXXX. Charge-Off Accounts I Have No Knowledge Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} Charge-off ; I have no knowledge of this account. 

XXXX. Collection Accounts I Have No Knowledge Of : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX * *, Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX categorically state that I have no knowledge of these accounts and request that all of them be investigated and deleted from my credit report immediately. 

XXXX. Inquiries I Did Not Authorize : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX These inquiries were made without my consent and are in violation of the Fair Credit Reporting Act. I demand these unauthorized inquiries be removed immediately. 

I request that CFPB investigate these discrepancies and instruct all reporting agencies to correct or delete these accounts. These errors are severely affecting my credit and financial well-being, and I expect swift action. 

Attached are all supporting documents proving my identity and the inaccuracies mentioned. 

Thank you for your immediate attention to this matter. I expect a response within the timelines mandated 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Too many out of order ATMs. Both at a branch and also XXXX at a local supermarket. Citizens Bank in XXXX, MA. I tried to withdraw cash from XXXX different ATMs in total. This is unacceptable, and should be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
US bank opened a checking account without my knowledge or approval. I requested they closed it, they have not and its been XXXX weeks since promised. Repeated calls result in no help and they wont tell me who or how it got opened without me filling out a dozen forms and getting it notarized?!

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent {$650.00} through Remitly on Friday, XX/XX/XXXX, but the recipient did not receive the money I sent through the app. They refuse to refund my money. 

They request unclear and confusing information through their application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a fifth third account mainly to qualify and receive the promotion that was currently going on at the time. I successfully opened up an account and it was officially completed by a bank manager inside the bank at the XXXX XXXX location. Unfortunately I decided not to change my direct deposit or deposit any money into the account. They are saying I owe them on overdraft fees for failed attempts to get money and was declined or some other reason which is not legal or justified in any manner. I never funded the account or even used it so how could I owe them like XXXX XXXX  and some change. That could me more or less. They reported this ridiculous and untruthful action on my XXXX  report and it's making it whre incant open another account. It is the only negative thing on there. I reported it to chex but fifth third hasnt or doesn't care to correct this issue. Please have them take this off my XXXX  report as it isnt a authorized or legal transaction in any capacity. Thanks and God Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This has not been resolved yet and have not been able to contact anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief