vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
- XX/XX/XXXX - I submitted my balance transfer request in the amount of $ XXXX to XXXX to receive the 0 % interest promo offer until XXXX to consolidate debt. 
- I read and signed the online terms, the only platform to operate my card offers are online and thru the app. The terms state that my transfer will be processed after 5 days from the approval date. There is no mention of any other time frame or delay in terms that could affect interest. 
- My transfer was approved and processed XX/XX/XXXX per the operator on the phone. 
- When I called to ask about the status of the transfer, I was informed that a paper check was physically mailed XXXX, regular delivery to my bank. I was not informed of the delivery date. I was told it could take up to 14 days to be received. 
- I challenged this option due to the terms I agreed to, and the interest I will continue to accrue in both accounts. I am also unable to pay my bills until the transfer is processed. 
- I asked if the check is able to be canceled, can I simply go pay the bill at my bank using my card? Is the promo valid? To which I did not get a solid response. I was told there was not a definite time frame on releasing my $ XXXX back to my credit account since the paper check was mailed. 
- I asked to be transferred to a supervisor, he repeatedly talked over me, and when I asked the same questions, he said that they had to mail the check bc my bank required they do so. I told him that I understood that requirement, however since my legally binding agreement was for that 5 day period, could they have utilized priority mail? He got frustrated and told me he'd just file a complaint and was there anything else I wanted him to do for me. 
- I asked if this was how they treat their customers regularly when the terms have not been followed and customers have questions, he continued to XXXX and puff and ignore my actual question. 

Had I known this was going to be the result of opening this card, I never would have taken the chance and done it. This is the first time in 6 years I have needed assistance since my mother passing, and now I XXXX not be able to recover easily. I am truly very concerned at how this has been handled and at how I will get out of the debt this card is no doubt going to cause me, and the damage it will do to the good credit I have built over the years. I will never open another card thru CITI Mastercard. No matter the promo promised, because the people working are not showing integrity or empathy to assist customers to utilize the promotions they are offering legally.

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 2025-05-10 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: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal fraud block request to Experian under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Experian was provided with the required documentation : FTC Identity Theft Report Proof of identity Proof of address Experian was legally required to block and remove the listed fraudulent items from my credit report within XXXX ( XXXX ) calendar days by XX/XX/year>. 

As of XX/XX/year>, those items are still reporting on my Experian file. This is a clear violation of federal law and has caused ongoing harm to my creditworthiness.

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 2025-05-10 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  XXXX, it must be deleted immediately from my credit file.

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 2025-05-10 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/year> I went through nearly an hour long process with this company. Was Confirmed that loan was approved and would be deposited to my verified checking account same day by XXXX. 
They even sent me a confirmation text! 
At XXXX I received an email telling me that they decided to decline in giving me the already Approved loan!

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 2025-05-10 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: NY

Complaint narrative:
on XXXX I filed all the proper information concerning fraudulent accounts reported on my credit report as a result of Equifax 's XXXX  Data breach and1 My idenitity was available on the dark web and used to open these accounts using several addresses I have never lived at. Instead of Blocking these accounts from reporting as mandated by Sec 605B ( c ). They have refused to do so and instead are disputing the accounts. Which they had the nerve to put in writing. They have no LEGAL REASON TO DO THIS. The only reason they are allowing these accounts that are product of identity theft to continue to report this fraud is BECAUSE THEY ARE BEING FINANCIALLY ENRICHED BY THESE COMPANIES THAT ARE REPORTING. HOW CAN THEY USURP THE LAW?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MO

Complaint narrative:
Demand Notice dated XX/XX/2025, the Consumer demanded immediate removal of information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for XXXX XXXX  records. 
Details of information that resulted from an alleged identity theft on the consumer report for removal : Name of Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : 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 2025-05-10 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$890.00} XXXX XXXX  # XXXX XXXX/XXXX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1400.00}

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 2025-05-10 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: FL

Complaint narrative:
account inaccurate reporting. per usc 1681, creditor is in violation due to not reporting accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
account inaccurate reporting. per usc 1681, creditor is in violation due to not reporting accuracy

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 2025-05-10 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-10 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted, and accounts are fraud and should be removed from my credit report.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$440.00} debt allegedly owed to XXXX XXXX Co. I formally disputed this account, yet they continue to verify it as accurate without providing full validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), they are required to provide complete documentation, including a signed agreement or billing history that proves I owe this debt. To date, I have received no such validation. 

They continue to report this item and update it monthly, damaging my credit report without verifying the debt. This is incomplete, unverifiable, and inaccurate reporting and violates my rights under FCRA 623 and FDCPA 809.

I am requesting this account be immediately removed from all credit reports due to failure to validate and continued reporting of unverified debt. 

This dispute was submitted directly by me, XXXX XXXX XXXX. I am the consumer. No third party is involved. I REPEAT ... No 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting a complaint regarding Bank of America 's improper denial of my Regulation E unauthorized transaction claim that is totaling {$7700.00}.

I reported unauthorized ATM withdrawals and transactions which I did not conduct or authorize. Bank of America denied my claim hundreds of times, stating they have ATM images allegedly depicting me however, the person in the images is not me.

Furthermore, this is part of a recurring fraud pattern on my account. Bank of America previously acknowledged and reimbursed similar claims involving identical circumstances on this exact same account.

Despite providing clear evidence disproving my involvement for years now, BofA continues to improperly deny reimbursement. This violates my rights under Regulation E ( Electronic Fund Transfer Act ), which guarantees reimbursement for unauthorized electronic funds. 

I request immediate reimbursement of the disputed funds and full compliance with Regulation XXXX investigation and disclosure requirements.

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 2025-05-10 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Please consider this as my formal complaint to the UPSTART NETWORK INC for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: WA

Complaint narrative:
Ive recently received my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-10 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: WA

Complaint narrative:
Ive recently received my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
Subject : XXXX XXXX XXXX Equifax XXXX to Properly Investigate and Verify Disputed Account To Whom It XXXX Concern, I am filing this formal complaint against Equifax Information Services LLC, Equifax Legal Department for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my recent dispute regarding an account listed as XXXX Bank ( Account ending in * * * * XXXX ). 

Despite my formal dispute, Equifax responded that the account was " verified '' and continues to report it on my credit file. However, Equifax has failed to provide any evidence of a legitimate verification process or any documentation that proves the account is legally connected to me. 

This response is unacceptable and constitutes the following violations of federal law : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). 

Failure to provide the method and results of the investigation, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Continued reporting of inaccurate or unverifiable information, in violation of FCRA 1681i ( a ) ( 5 ) ( A ).

Negligent and/or willful noncompliance with FCRA provisions , subject to civil liability under 1681n and 1681o. 

I have demanded Equifax to delete this account unless they can provide : A signed contract or application proving I am legally responsible for the account. 
Full documentation used in their verification. 
A detailed account of the steps taken to verify the information. 
To date, none of this has been provided. 

I am requesting that the CFPB investigate this matter and compel Equifax to either : Immediately remove the XXXX Bank account from my credit file. 

I am also requesting that this violation be documented for future regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format developed by the Consumer Data Industry Association ( CDIA ) .

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX Date of Birth : XX/XX/year> Last four of SS # : XXXX Per Metro 2 and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

Sincerely, 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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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