vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday XX/XX/year>2025 I locked my Citi credit card through the Citi app to prevent new transactions. Despite the lock, charges from certain merchants continue to go through. This defeats the purpose of locking my card and is not what Citi advertises when they provide a lock feature. 



When I called customer service, the representative told me the only option was to deactivate my card and wait for a new one. This is not a reasonable solution because I did not authorize these transactions, and I should not be forced to replace my card to stop them. 



I specifically asked Citi to stop future charges from these merchants and to treat any that went through while my card was locked as unauthorized, but my request was not honored.

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 2025-08-21 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: GA

Complaint narrative:
In XX/XX/XXXX I submitted written disputes on XXXX XXXX XXXX credit card accounts and requested account-level documentation. Shortly afterward, XXXX XXXX closed all three of my accounts ( including XXXX I had not disputed ) and sent a letter stating I was removed from any future business ( by name, phone, and email ). 

XXXX XXXX  initial written response stated only that the accounts were opened online or by phone, without specifying which and without dates, applications, or signed agreements. ( Exhibit XXXX shows XXXX XXXX  written response denying the existence of contracts for these accounts. ) After I disputed through the credit bureaus, XXXX XXXXXXXX sent XXXX generic, non-account-specific cardholder agreement and monthly statements ( Exhibits XXXX, XXXX, XXXX ). Months later they began asserting an application date, but no application or signed contract has ever been produced despite multiple disputes. 

Meanwhile, XXXX XXXX  furnishing has been inconsistent : statuses toggled between disputed and resolved, fees and interest continued to accrue, and the tradelines later progressed to charge-off / profit & loss. My scores dropped from XXXX into the low XXXX. The credit bureaus verified these accounts despite lacking any actual validation from XXXX XXXX ( XXXX, Experian pp. XXXX, and XXXX  pp XXXX XXXX ). 

I also include Exhibit XXXX ( Removed from Future Business Letter ) documenting XXXX XXXX decision to end all customer relationships with me, a Closing Letter dated XX/XX/XXXX showing the end of my prior attempts to resolve this directly, and Exhibit XXXX ( Account Closures ) showing the closures were inconsistent with typical customer notices. 

XXXX XXXX has failed to provide proper validation yet continues to furnish contradictory and damaging information to the credit bureaus. This entire escalation could have been avoided had XXXX XXXX simply validated the accounts in response to my disputes, rather than closing them and continuing to report inconsistent information.

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 2025-08-21 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:
In XX/XX/XXXX I submitted written disputes on XXXX XXXX XXXX credit card accounts and requested account-level documentation. Shortly afterward, XXXX XXXX closed all three of my accounts ( including XXXX I had not disputed ) and sent a letter stating I was removed from any future business ( by name, phone, and email ). 

XXXX XXXX initial written response stated only that the accounts were opened online or by phone, without specifying which and without dates, applications, or signed agreements. ( Exhibit XXXX shows XXXX XXXX  written response denying the existence of contracts for these accounts. ) After I disputed through the credit bureaus, XXXX  XXXX sent XXXX generic, non-account-specific cardholder agreement and monthly statements ( Exhibits XXXX, XXXX, XXXX ). Months later they began asserting an application date, but no application or signed contract has ever been produced despite multiple disputes. 

Meanwhile, XXXX XXXX  furnishing has been inconsistent : statuses toggled between disputed and resolved, fees and interest continued to accrue, and the tradelines later progressed to charge-off / profit & loss. My scores dropped from XXXX into the low XXXX. The credit bureaus verified these accounts despite lacking any actual validation from XXXX XXXX ( Equifax, XXXX  pp. XXXX, and XXXX  pp XXXX XXXX ). 

I also include Exhibit XXXX ( Removed from Future Business Letter ) documenting XXXX XXXX decision to end all customer relationships with me, a Closing Letter dated XX/XX/XXXX showing the end of my prior attempts to resolve this directly, and Exhibit XXXX ( Account Closures ) showing the closures were inconsistent with typical customer notices. 

XXXX XXXX has failed to provide proper validation yet continues to furnish contradictory and damaging information to the credit bureaus. This entire escalation could have been avoided had XXXX XXXX simply validated the accounts in response to my disputes, rather than closing them and continuing to report inconsistent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Bethpage Federal Credit Union changed their name to FourLeaf FCU and emailed us that they will not be able to collect any mortgage payments during their transition for 60 days and we should be able to make the monthly mortgage payments without any penalties. Now when I try to make a payment online, I just get a blank page ; I tried calling them multiple times but the call stays on hold for more than an hour until it got connected once and the person whom I spoke to said XXXX transfer me to customer service only to get disconnected again. Im currently traveling out of the country and had to make these long international phone calls that cost me a lot of money because they want to speak to the account holder. Then I asked my wife to call them locally, and she got the same response. The banks number is XXXX, please try calling that number for the mortgage payment you will know what I mean. 
The bank has also stopped access to the page where we can make a payment. I sent my daughter physically to the bank with a check to pay off the mortgage loan balance, I have just 2 months of payment left. My wife and daughter also told them to take the money out of my usual account from which the payments were regularly scheduled until they transitioned and it stopped working ; they said they can not do it. When asked to enable the page on their website so we can make the payment ourselves they said they can not do it because of their transition and asked us to wait till XXXX. In the meantime they sent us foreclosure letters and big packets of letters from debt collection agencies. 
It looks like theyre buying time and making every effort to fraudulently get us into foreclosure or some serious problems. I would appreciate if someone can investigate into this bank fraud tactics and bring justice to all. Im sure there will be many more people affected by this banks fraud tactics scam/fraud activities.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I purchased what I thought was legitimate XXXX XXXX was not actually XXXX. It was a scam. They took my money and sent nothing in return. I tried contacting them and I'm getting that my messages are undeliverable. I told Chime ( the debit card I used ) about it. Chime said that they do not see a problem, and they are not going to cover this for me. I thought banking companies had insurance for fraud. I even resubmitted the problem to them to reopen the investigation but that also came back denied. So basically, a fraudulent company took {$46.00} from my account. Sent me nothing in return and the banking company doesn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 am writing to dispute inaccurate information currently being reported on my Experian credit file. The following accounts contain errors that need correction : Account 1 Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Reason for Dispute : Experian is reporting this account as 150 days late, yet the two-year payment history grid reflects OK ( on time ) payments following the alleged delinquency. Reporting both extended delinquency and consistent on-time payments is contradictory and inaccurate. This reporting error is harmful to my credit profile. 

Account 2 Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason for Dispute : Experian is reporting this account as 120 days late, but again, the payment history grid reflects OK payments after the reported delinquency. This inconsistency indicates inaccurate reporting. In addition, the past due amount differs from what is reported with other credit bureaus, suggesting further inaccuracies.

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 2025-08-21 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: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
ther was identity theft back in the time of the student loan it was a person name XXXX XXXX my name is XXXX XXXX i font know how he got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called to get information on a program. I was not approved for the loan on my own. I am not sure why/how this was processed. I also did not have a job at the time. I never agreeded to attend thsi school.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, XXXX JPM made unauthorized inquires over 20 to my credit file and in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 am disputing a fraud account and fraud inquiries on my credit file that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 am disputing a fraud account and fraud inquiries on my credit file that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited my IRS refund check into my [ BMO ] account on [ XXXX XX/XX/year> ]. The check cleared, and I was able to withdraw a small portion of the funds. However, shortly afterward, the bank froze or restricted the rest of the funds from my IRS check without providing me with a valid explanation. 

The bank has refused to release my remaining money or return the funds to the IRS. Since the check has already cleared, the IRS considers it paid, and I can not request a replacement check. This means the bank is withholding my money without justification. 

I have requested an explanation in writing, but the bank has not provided a clear reason or timeline for when my funds will be available. I rely on this refund to cover essential expenses, and the banks actions are causing me financial hardship. 

I am requesting that CFPB require [ bank name ] to release the full amount of my IRS refund check that rightfully belongs to me, or provide a lawful justification for withholding it.

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 2025-08-21 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: PA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding a collection account reported by Aargon Agency Inc. in the amount of {$560.00}, originally tied to XXXX XXXX XXXX XXXX. I first became aware of this collection when I checked my credit report. I was never notified of this debt in writing prior to it appearing on my credit file, and I did not receive a debt validation notice as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I disputed the account with both XXXX  and XXXX  due to inaccurate and inconsistent reporting. Despite my dispute : XXXX  continues to report the account as open and in collections XXXX  shows the account as closed but still reporting a full balance due The status and account information do not match between the XXXX bureaus The payment history appears to have changed after the dispute, now showing activity starting several months after the reported open date ( e.g., account opened in XX/XX/year>, but payment history starts in XX/XX/year> ) This raises concerns about incomplete investigation and possible re-aging of the account, which could extend the time the negative item remains on my 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 2025-08-21 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: TX

Complaint narrative:
The law under USC 1681g requires the identification and deletion of these false accounts within 15 days of notice.

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 2025-08-21 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: FL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MULTIPLE THREATING VOICEMAILS MAIL SENT STATING ACTION FOR LAWSUIT

Company response to consumer: Closed with non-monetary relief