vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for the Citi XXXX XXXX credit card. However, before I even received my card, Citi blocked my account and demanded that I submit a XXXX form for IRS income verification. I fully complied with this request and submitted the form promptly and accurately. Despite doing everything required, I was shocked to discover that Citi had closed my account without any warning, justification, or communication.

I have contacted Citi multiple times to obtain an explanation, yet no one has been able to provide a clear or valid reason for this action. This treatment is unacceptable and raises serious concerns about how Citi handles its customers accounts. Furthermore, it appears this is a widespread issue many other customers report experiencing the same situation after submitting the XXXX form, with their accounts closed and no transparency provided.

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 2025-12-03 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:
I recently reviewed a copy of my credit report, and I noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-03 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
At XXXX XX/XX/year>, I received a phone call from someone stating they were from XXXX  telling me that someone in XXXX XXXX, CA ( XXXX XXXX ) was trying to open a visa credit line of {$11000.00} with Wells Fargo. She told them that she was my daughter. The man gave me the last 4 numbers of my social security number to verify that I was in fact a victim of identity theft. He gave me a case XXXX XXXXXXXX and then referred me to another man ( XXXX XXXX XXXX allegedly from the XXXX XXXX XXXX XXXX. He stated that he had the ability to cancel the visa card application and gave me another code number XXXX that supposedly represented the block. He was calling from the following number : XXXX. My son warned me that this was a scam and not to cooperate with XXXX XXXX. XXXX XXXX then told me to hang up and call him back to verify that he was from the Consumer Protection Agency. When I called back I got a recording that said " please leave a message and someone will get back with you. '' In seconds I received another phone call from XXXX XXXX same number XXXX. My husband took this call and told her never to call our home again. My son looked up the telephone number and discovered it was associated with " Your Day Time Daughter '' in XXXX, TX XXXX. These people knew all about my entire credit history. I do not believe either individual legitimately represented either XXXX  or the 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 2025-12-04 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:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute improper interest charges, late fees, and negative reporting related to my Victorias Secret credit account issued by Comenity Bank.

I have repeatedly attempted to set up automatic payments for this account. My card information has been stored on your website, and on two separate occasions I instructed your collections representatives to place my card on continuous automatic payments. Despite this, Comenity Bank has failed to proc
ess payments on time. Instead, payments have only been processed after the due date, resulting in avoidable late fees, interest charges on top of interest, and negative marks on my credit report.

I dispute the following : Late fees that resulted from Comenity Banks failure to process my saved payment method.

Additional interest charges caused by the late fees and improper processing delays.

Any negative credit reporting related to these disputes, as these late payments were caused solely by Comenity Banks failure to follow my automatic payment instructions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Dispute of Charge-Off Reporting Account Ending in XXXX I am formally disputing the reporting of my Bank of America credit card account ending in XXXX, which was charged off on XX/XX/year> with a balance of {$18000.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the XXXX period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that Bank of America provide complete documentation verifying the following : That I did not request a XXXX hardship or payment accommodation. 

That Bank of America complied with all CARES Act reporting requirements from XX/XX/year> onward. 

That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. 

That the charge-off date of XX/XX/year> is correct and fully supported by Bank of Americas records .

If Bank of America can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. 

Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the XXXX pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. 

Please treat this as a formal dispute, and provide your response in writing along with all documentation supporting the reporting of this account.

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 2025-12-04 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: AL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. While reviewing my credit reports, I noticed several accounts that I do not recognize. I have requested debt validation from the credit reporting agencies, but the requested information has not been provided. 
Because my information was compromised, I filed a complaint with the FTC regarding the accounts I am not familiar with. 
Attached are copies of my identification, the FTC complaint, the XXXX report showing that my information was exposed in a national database, and a debt validation letter.

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 2025-12-03 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: NV

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a 35+ year Bank of America customer . During a branch visit to open a business account, an employee triggered a phone-number change on my decade-old cell number. The number is unchanged. BofA locked my personal account 2FA and placed my number under security review with no ETA. I can provide. I have been forced to disable 2FA to access my funds, creating a security risk. BofA refuses to escalate to fraud team. This is causing financial hardship. Request immediate restoration of 2FA with my original number and compensation for inconvenience.

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 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX sent a medical bill to collections even though the debt is inaccurate and under active dispute. The bill is for labs done on XX/XX/XXXX. My XXXX  XXXX XXXX plan covers these labs with a {$60.00} copay, which I paid. The remaining {$890.00} is the result of a known coding error ( duplicate service/supply codes ). XXXX resubmitted corrected claims twice, but XXXX  XXXX mishandled both and denied them as duplicate instead of corrected submissions. I submitted an appeal to XXXX  XXXX on XX/XX/XXXX, which they later admitted they received but never processed. XXXX repeatedly told me my account was on hold during the dispute, yet on XX/XX/XXXX they sent the bill to Credit Collections Services without notifying me. This violates debt collection rules because the debt is actively disputed and not valid. I need the collections action stopped, the debt marked disputed and removed, and the underlying billing error corrected. I am happy to provide evidence of phone records, messages, XXXX  bills, collections bill, proof of patient responsibility, and all records kept over 2 years regarding this. Thank you. I have a full document attached below that details the failures of these companies to resolve this claim over the last two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the federal Fair Debt Collection Practices Act ( FDCPA ), account number XXXX, I am exercising my right to demand an end to all communication with me, my family, friends, and employer regarding the alleged debt referenced above. Please do not contact me at home, at work, on my cell phone, or at any other location, by phone, mail, email, or any other form of communication. The FDCPA, Section 805 ( c ), requires you to cease all further communication after receiving this written notice. The only exceptions are to inform me that : You are terminating your collection efforts. You are invoking specific remedies which are ordinarily invoked by you or your company. You intend to file a lawsuit or pursue a specified legal remedy. 
Any contact other than for these limited purposes will be considered a violation of my rights under the FDCPA, and I will immediately file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state 's Attorney General 's office. I also demand that you provide written verification of the alleged debt, including the name and address of the original creditor and the current amount owed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA Collection called after standard hours. Named XXXX requesting a call to XXXX. But didn't call from that number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the immediate and permanent removal of an inaccurately reported account from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please refer to the details of the disputed accounts below : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> 1. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX  Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX  Date of Initial Deletion : XX/XX/year> This account was previously disputed and duly removed from my credit report on the aforementioned date, following your verification process which confirmed its inaccuracy. However, I was alarmed to find that this account has been reinserted into my credit report without any new evidence or verification that would justify this action.

The FCRA requires that all consumer reporting agencies maintain accurate and complete records in consumer reports. Under Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s2 ), if an item is deleted due to inaccuracy or unverifiability, it must not be reinserted without notifying the consumer within five business days and ensuring that new, complete, and accurate data verifies the disputed item.

Given that no such verification has occurred, and no prior notification of this reinsertion was provided, this action is in violation of my rights under the FCRA. As such, I request the following : 1. Immediate blocking and permanent deletion of the aforementioned account from my credit file.

2. Written confirmation of this deletion and assurance that this account will not reappear on future credit reports.

3. A review and correction of any related inaccuracies that may affect other aspects of 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 explanation
Consumer complaint received 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I AM THE VICTIM OF CANCEL CULTURE PUBLIC XXXX. DISCLOSURE OF PRIVATE FACTS.RESULTING IN PUBLIC HARASSMENT AND XXXX XXXX VIA XXXX OF LAW. DUE TO XXXX XXXX. THE NAME ORGANIZATION PARTICIPATED IN PUBLISHED METHODS OF HARASSMENT XXXX XXXX CREATED BY XXXX XXXX XXXX TO INCITE PUBLIC XXXX INTO MY LIFE .. PAYMENT SERVICES AND RECIEVAL FROM XXXX AND BANK OF AMERICA CLEARED WTH NO ACTIVE CARD ON FILE WITH XXXX. AS PUBLISHED ON METHODS TO INCITE FINANCIAL XXXX ON MY LIFE IN XXXX XXXX VIA XXXX OF LAW. RESULTING IN CLOSURE OF BANK ACCOUNTS AND OVER CHARGE PAYMENTS over charge of {$59.00} BANK OF AMERICA 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 2025-12-04 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: NY

Complaint narrative:
I am facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. 

The Accounts Include : XXXX XXXX - Credit Card. Opened in XX/XX/XXXX XXXX XXXX - XXXX Loan - Opened in XX/XX/XXXX XXXX XXXX - XXXX Support - Opened in XX/XX/XXXX XXXX - Collection - Opened in XX/XX/XXXX XXXX XXXX XXXX - Collection - XX/XX/XXXX XXXX XXXX - Collection - Opened in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off for my 2 mortgages with Bank of America and they still charging me for the mortgage and line of credit I paid off for! I have proof the 2 mortgages on my home is paid in full and they still reporting to the Credit Bureau that I still owe them that loan that was Satisfied and they file foreclosure on my property that I paid in full and have the deed and mortgages are paid and satisfied!

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