vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am following up regarding my previous complaint about my Citibank account. I received a written letter from Citis Executive Response Team directing me to call their Fraud Department at XXXX ( Option 2, then 5 ) to complete my fraud verification.

I have called that number several times and provided all requested information, including my case reference number and the one-time verification code Citi sent to me during the call. Each time, I am told the call will be transferred to the department handling my case, but once transferred, I am left on hold for hours and no one ever answers or returns the call.

This has happened repeatedly. Citis letter also stated that I may visit a branch, but there are no Citi branches near my location, which makes in-person verification impossible. I have made every effort to comply with their instructions, but Citis customer service process has made it impossible to resolve my issue.

I am respectfully requesting that the CFPB require Citibank to contact me directlyeither by phone or by emailto complete the fraud verification, or provide me with a direct contact to the correct fraud department representative who can assist without excessive delays.

This matter has been ongoing for weeks, and Citis failure to provide accessible customer support is preventing me from regaining access to my account or resolving the issue they raised.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Around XX/XX/XXXX I spoke with the repossession department for TitleMax and I explained to them that we were going through a hardship The vehicle was in the shop because it needed a rear end differential My XXXX  then lost his job due to that we've called TitleMax repossession and spoke with them about what we're going through and they gave me XXXX days to come up with some money but then today XX/XX/year> they came and repossessed the vehicle I wouldn't know exactly what time but I woke up around XXXX and the vehicle was not in the driveway or in the parking lot of the apartments that I live in and it hasn't been even close to the XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Even though the balance has been cleared, the report still reflects late remarks.

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 2025-11-03 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
How dare you include false allegations of delinquency and derogatoriness on my credit report without any factual proof? You have not met federal or state reporting requirements and I am outraged. You must comply with regulations and the law by accurately reporting only verified information. I demand that you correct this issue immediately and take responsibility for your negligence. If you fail to do so, I will not hesitate to take legal action against you. 

CRCORPSOL - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies on my TransUnion credit report. Despite my efforts to resolve these issues with the reporting entities, they remain uncorrected, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items on my credit report are incorrect or unverifiable : Addresses Listed Incorrectly : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These addresses do not belong to me, yet they appear on my credit report, creating inaccuracies that may harm my creditworthiness. 

Accounts I Dispute : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$8.00}, Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$350.00}, Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$0.00}, Status : Late Payment XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$150.00}, Status : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$93.00}, Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$280.00}, Status : Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$290.00}, Status : Chargeoff XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$84.00}, Status : Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$590.00}, Status : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00}, Status : Chargeoff Inquiries : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I have never made any late payments or authorized many of these accounts. These items are therefore either inaccurate, unverified, or fraudulent. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I am requesting that TransUnion immediately investigate, verify, and correct or delete all inaccurate information. 

Please note that failure to comply with FCRA obligations not only harms my credit but also exposes the reporting entities and TransUnion to potential enforcement actions. I expect a full investigation and correction/deletion of all inaccurate items within the legally required 30-day period. 

I have attached copies of my identification and proof of address for your review. I request that you provide me a written confirmation of the actions taken as soon as your investigation is complete. 

Thank you for your prompt attention to this serious 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to TOYOTA MOTOR CREDIT dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), TOYOTA MOTOR CREDIT has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since TOYOTA MOTOR CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure TOYOTA MOTOR CREDITs immediate compliance with FCRA requirements. 

TOYOTA MOTOR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has sent out a letter stating they are investigating my complaint. They took over six months to deny my claim and stated it was because it fell outside the window. THEIR REPRESENTATIVE ADMITTED they made a mistake in this and reopened. They keep closing it with the same answer then when telling them I was going to complain they decided to close my account. They have assigned some baloney investigative department that sends a letter out. This is the avoidant part of their fraud and retaliation. The phone numbers not only dont connect, they dont let you talk to anyone. The extensions are always disconnecting or the other number goes to nothing. They assign someone to look good on their end. To this day since I complained back in XXXX of XXXX, they have done nothing but lie, avoid. And shut down my account. This is absolutely deceiving consumers who count on the bank for protection and to send out fake phone numbers is absolutely ridiculous. Whether they reply or not, they need to answer to why the numbers wont let you talk to anybody, why they think its okay to steal money, and why they feel that their mistakes dictate we as consumers have to suffer. B of A retaliates vs those who speak up then plugs their ears for the ones that try and say something. Almost a year since the incident and all I get is a closed account, and a bunch of fake numbers to call.

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 2025-11-03 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Original Creditor XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Incorrect information on report Inaccurate personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to THD/CBNA dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), THD/CBNA has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since THD/CBNA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure THD/CBNAs immediate compliance with FCRA requirements. 

THD/CBNA 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 2025-11-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
A fraud merchant is charging my SoFi savings bank account and I've requested the bank to stop the withdrawals and return back the money. Neither the bank stopped the withdrawals nor returned the money. 
I noticed this issue on the XXXX transaction and filed a complaint with the bank. The response from the bank so far has been you've transacted with this merchant before ( based on XXXX previous fraud transactions ) so we won't return your money. They should have at least put a hold on this merchant and today ( XX/XX/year> ) a XXXX fraud transaction again got posted. 
Merchant Name : BE EVEN SMARTER Bank : SoFi Savings Account Fraudulent Amount : {$1900.00} Transaction Dates : XX/XX/year>, XX/XX/year>, XX/XX/year> and on XX/XX/year> SoFi Dispute Transaction IDs : XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Complaint Against : Equifax Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX United States Subject : Inaccurate and Unauthorized Information Statement : I am filing this complaint against Equifax because my credit report includes inaccurate and unauthorized information. Several accounts have been reported that I never opened or consented to, and some contain incorrect details. Despite submitting disputes with identification and supporting documentation, Equifax has failed to properly investigate or remove these errors. 

Fair Resolution : Equifax should complete a thorough reinvestigation, delete all inaccurate and unauthorized accounts, and correct any personal information that is wrong. I also request written confirmation once all corrections are made and my credit file reflects only verified, accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to formally dispute inaccurate information currently appearing on my credit report. The following accounts contain errors or unverifiable details. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a consumer working to correct my credit report and would like to dispute certain items that may not be reported accurately. Below is a detailed list of the accounts and inquiries in question, separated by each credit bureau. I respectfully request that each bureau reinvestigate and update my credit file accordingly. 

Charged Off Accounts in Dispute : No charged-off accounts listed for dispute in this case for Experian. 

Inquiries to Dispute : XXXX XXXX XXXX : XX/XX/year> Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report if it can not be verified. 

Late Payments to Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a XXXX XXXX cashiers check in the amount of {$49000.00} into my Bank of America account at a local branch. The following day, XX/XX/year>, I received a written notice from Bank of America stating that the full amount was being held until XX/XX/year>, because the bank claimed to have information indicating the check may be returned. 
The check was a legitimate cashiers check issued by XXXX XXXX. Before placing the hold, Bank of America did not verify the item with XXXX XXXX, nor did they provide any specific factual basis supporting the claim that the check might be returned. This violates XXXX XXXX ( XXXX C.F.R. XXXX ), which requires next-day availability for cashiers checks and limits exception holds to situations where the bank has verifiable information indicating doubt about collectibility. 
As a result of this improper hold, I have incurred unnecessary expenses, including approximately {$1200.00} for temporary lodging, and experienced significant stress and disruption due to being denied access to my own funds. I contacted the bank but have not received a satisfactory explanation or correction. 
I am requesting that Bank of America be required to release the funds immediately and to compensate me for the financial harm caused by their noncompliance with Regulation 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 2025-11-03 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief