vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Subject : Citibank XXXX XXXX, Home Depot, and Best Buy Credit Card Denials Unresolved Identity Issue and Improper Internal XXXX Complaint Description : I recently applied for a Citi XXXXXXXX XXXX XXXX  and was denied. The denial letter stated that Citibank could no longer service accounts with me. Prior to that, I applied for a regular Citi credit card in XX/XX/XXXX and was also denied but never received a denial letter for that application. 

I contacted Citi and spoke with Supervisor XXXX, who told me that there was allegedly a Best Buy store credit card opened in XXXX under my name and Social Security number. I have never applied for a Best Buy credit card and have no knowledge of that account. 

A few years ago, I received a collection letter stating that I owed for a Best Buy credit card. When I called Citi to dispute it, I spoke with a supervisor who said they could not provide the address tied to the account due to privacy concerns. Citi eventually removed the related inquiries from my credit report, and I believed the matter was resolved especially since no proof of the debt, original contract, or chain of assignment was ever provided. 

However, based on these recent denials, it appears Citi never corrected the issue in their internal system. It seems they removed the record from my credit report but blacklisted me internally, which now prevents me from being approved for any Citi-managed credit products. 

In addition to the XXXX and regular Citi credit card denials, I was also denied for a Home Depot Citibank credit card, which further supports that Ive been flagged in their internal system. These repeated denials are now hurting my credit due to multiple hard inquiries. 

Supervisor XXXX said she escalated my case to the Emergency Response Unit and that I would be contacted within four hours, but I never received any follow-up communication. 

My credit score is near XXXX, and I have an excellent credit history with no late payments or derogatory items. These denials and inquiries are unjust and appear to stem from an old, unverified account error that Citi has not properly cleared from their internal records. 

I am requesting that the CFPB investigate and require Citibank to : 1. Fully investigate and delete any inaccurate or outdated internal records connected to the alleged XXXX Best Buy account. 
2. Remove all recent hard inquiries from my credit reports related to the Citi XXXX, regular Citi, and Home Depot applications. 
3. Provide a full written explanation of why my applications were denied. 
4. Ensure a prompt response from the Emergency Response Unit as promised.

5. Restore my eligibility to apply for Citi-issued credit products without being unfairly flagged.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
WHAT HAPPENED : BANK OF AMERICA CONTINUES TO VIOLATE MY RIGHTS UNDER THE FDCPA AND CALIFORNIA ROSENTHAL ACT BY IGNORING MY WRITTEN-ONLY COMMUNICATION REQUEST. DESPITE MULTIPLE EMAILS AND FILINGS, INCLUDING AN ACTIVE CASE REFERRED TO THE OFFICE OF THE COMPTROLLER OF THE CURRENCY ( OCC ), THE BANKS REPRESENTATIVE, TREA SO FROM THE ENTERPRISE RESOLUTION DEPARTMENT, CONTINUES TO DIRECT ME TO CALL COLLECTIONS AS THEY continue with the late fees.

THIS IS A DIRECT VIOLATION OF MY LEGAL RIGHT TO WRITTEN COMMUNICATION ONLY. BANK OF AMERICA HAS ALSO CONTINUED TO ADD LATE FEES TO MY ACCOUNT DURING AN ACTIVE REGULATORY INVESTIGATION, WHICH SHOWS BAD FAITH AND RETALIATORY CONDUCT. I HAVE PROVIDED EVIDENCE OF THESE ACTIONS TO THE OCC AND DFPI.

I AM REQUESTING THAT THE CFPB DOCUMENT THIS AS A CONTINUING VIOLATION AND ENSURE THAT BANK OF AMERICA IS HELD ACCOUNTABLE FOR IGNORING FEDERAL LAW, ACTIVE COMPLAINTS, AND CONSUMER RIGHTS.

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 2025-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal complaint and demand for immediate investigation, deletion, and monetary relief under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts are reporting inaccurate and conflicting data on my credit file, in violation of 1681e ( b ) and 1681i ( a ) : XXXXXXXX XXXX ( Acct ending XXXX ) falsely reported charge-off while reflecting {$0.00} balance. 

XXXX XXXX ( Acct ending XXXX ) conflicting status ( collection vs. closed ). 

XXXX XXXX ( Acct ending XXXX ) obsolete account ( 2019 activity ). 

You have failed to ensure maximum possible accuracy and to properly reinvestigate. These constitute willful and negligent violations under 1681n and 1681o, entitling me to {$1000.00} per violation plus damages.

I hereby demand : Immediate deletion of all unverifiable or inconsistent accounts.

Written confirmation within 15 days.

Compensation for damages under FCRA 616 and 617.

Failure to comply will result in filing with the CFPB and a civil claim in U.S. District Court. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal complaint and demand for immediate investigation, deletion, and monetary relief under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts are reporting inaccurate and conflicting data on my credit file, in violation of 1681e ( b ) and 1681i ( a ) : XXXXXXXX XXXX ( Acct ending XXXX ) falsely reported charge-off while reflecting {$0.00} balance. 

XXXX XXXX ( Acct ending XXXX ) conflicting status ( collection vs. closed ). 

XXXX XXXX ( Acct ending XXXX ) obsolete account ( 2019 activity ). 

You have failed to ensure maximum possible accuracy and to properly reinvestigate. These constitute willful and negligent violations under 1681n and 1681o, entitling me to {$1000.00} per violation plus damages.

I hereby demand : Immediate deletion of all unverifiable or inconsistent accounts.

Written confirmation within 15 days.

Compensation for damages under FCRA 616 and 617.

Failure to comply will result in filing with the CFPB and a civil claim in U.S. District Court. 

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 non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Continued Reporting of Unverified Collection Accounts XXXX XXXX Portfolio Recovery Associates I am filing this complaint because both XXXX and Portfolio Recovery Associates have failed to properly verify two disputed collection accounts despite multiple prior disputes and a claimed investigation. 

Portfolio Recovery continues to report two accounts ( {$2500.00} and {$2000.00} ) as collection accounts on my XXXX file, even though I have requested full debt validation several times. The only materials I received were billing statements, which do not constitute debt validation under 15 U.S.C. 1692g ( b ). 

Portfolio Recovery told the CFPB in a prior case that documentation and investigation were completed. That statement is false and misleading. XXXX also continues to report these accounts as verified, using inconsistent codes ( consumer disputes, investigation complete, and collection account ), which violates FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( b ) ( 1 ) ( AE ).

These actions collectively violate : FCRA 602 ( A ) accuracy and fairness requirement, FCRA 607 ( b ) duty to maintain reasonable procedures for accuracy, FDCPA 807 ( 8 ), 807 ( 10 ), and 809 ( b ) continued reporting of disputed debt and deceptive communication, FCRA 616617 & FDCPA 813 rights to recover damages for noncompliance. 



-- - Requested Resolution : 1. The immediate deletion of both Portfolio Recovery accounts from my XXXX report. 


2. A full accounting of the investigation methods and documentation used.

3. Verification that no further reporting or reinsertion will occur without proof of ownership and the original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-10-22 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: FL

Complaint narrative:
I was looking over my credit report and i notice these accounts listed below are not ensuring maximum possible accuracy according to the FCRA delete accounts listed below for violation of the credit reporting act. 


XXXX XXXX XXXX XXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USC 1681 e ( b ) the date of last activity is not accurate, date account open is not accrurate, XXXX  days late not accurate delete account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXXXXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USc 1681 e ( b ) date open is not accurate, date of last payment is not accurate delete this account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXX XXXX XXXX Acct # XXXX This account is not showing the maximum possible accuracy according to 15 USC 1681 E ( b ) the open date in not accurrate, date of last activity is not accurate, charge off amount is not accurate delete this account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXX XXXX Acct # XXXX This accout is not showing the maximum possblie accuracy according to 15 USC 1681 e ( b ) date of last payment is not accurate date account open is not accurate account showing late and paid off is not accurate delete this account immediately for the violation of 15 USc 1681 e ( b ) XXXX XXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USc 1681 e ( b ) date of last payment is not accurate date of last activity is not accurate delete this account immediately for the violation of 15 USc 1681 e ( b )

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 2025-10-22 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: FL

Complaint narrative:
I was looking over my credit report and i notice these accounts listed below are not ensuring maximum possible accuracy according to the FCRA delete accounts listed below for violation of the credit reporting act. 


XXXX XXXX XXXX XXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USC 1681 e ( b ) the date of last activity is not accurate, date account open is not accrurate, XXXX  days late not accurate delete account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXXXXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USc 1681 e ( b ) date open is not accurate, date of last payment is not accurate delete this account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXX XXXX XXXX Acct # XXXX This account is not showing the maximum possible accuracy according to 15 USC 1681 E ( b ) the open date in not accurrate, date of last activity is not accurate, charge off amount is not accurate delete this account immediately for the violation of 15 USC 1681 e ( b ) XXXX XXXX XXXX Acct # XXXX This accout is not showing the maximum possblie accuracy according to 15 USC 1681 e ( b ) date of last payment is not accurate date account open is not accurate account showing late and paid off is not accurate delete this account immediately for the violation of 15 USc 1681 e ( b ) XXXX XXXX Acct # XXXX This account is not showing maximum possible accuracy according to 15 USc 1681 e ( b ) date of last payment is not accurate date of last activity is not accurate delete this account immediately for the violation of 15 USc 1681 e ( b )

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 2025-10-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo advertised ( in XXXX XXXX XXXX  ) a new customer banking bonus who open an " Everday Checking '' account. The terms were maintaining a minimum balance of {$1000.00} in funds in the account for a certain number of months, and once met, the bank would deposit a {$300.00} cash bonus into the account. 

I met all of the terms stipulated by Wells Fargo, but they never deposited the promised banking bonus. When I called customer service the representative informed the bonus had been withheld because their records showed I had held a bank account with Wells Fargo within the past 5 years. 

This was not possible as I have never held a personal banking account with Wells Fargo, let alone within the past 5 years. The representative said there was nothing he could do about the matter. 

When I told him this was either fraud on behalf of the bank, or a case of identity theft if someone had indeed opened an account with my information, he again reiterated there was nothing he could do about either of these matters. 

I then sent this information to Wells Fargo 's " Line of Business Executive Office '' in writing. A week later I received a form later stating that there are multiple reasons that a bonus can be denied. It was clear that they did not look into my case, either for a banking error, or for any signs of identity theft.

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 2025-10-22 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America opened a Certificate of Deposit for my Partner of {$500000.00} He requested that I be named POD Payment On Death, the Banker confirmed I was POD as I was listed on XXXX other Bank of America Accounts, when my Partner passed they refused to release the CD to me and required I open a Probate for Intestate, now XXXX family members have claimed the CD, that I am POD of. I was forced to open litigation against Bank of America for negligence and errors of handling Financial Products. They have petitioned the Court to dismiss.

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 2025-10-22 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-22 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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