vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Citibank for their mishandling of my checking account, which has caused me significant financial hardship and frustration. My account, held at the Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX has been frozen with a balance of {$1200.00}, and Ive been told it will be closed in 30 to 60 days without any clear explanation or specific closure date. Ive called Citibanks customer service ( XXXX ) multiple times and visited the branch three times, speaking with the manager, but received only vague, inconsistent responses about why my funds are inaccessible. This is unacceptable, as its my money, not Citibanks, and Im entitled to access it without unjust delays. 
Additionally, Citibank repeatedly restricted my debit card for legitimate transactions, often under {$100.00}, flagging them as potentially fraudulent despite my repeated confirmations that they were mine. This happened for both online and in-person purchases, severely disrupting my daily life. Their verification process was also flawed. I updated my phone number to XXXX and verified it in person at the branch, yet customer service later claimed it was unverifiable, forcing me to provide alternate numbers unnecessarily. 
Most disturbingly, I was a victim of a {$1200.00} cash theft after withdrawing from a Citibank ATM in XXXX on the same day of withdrawal. I filed a police report with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX ) and received a complaint number receipt but not the full report. I notified Citibank, but they refused to take responsibility or offer any recourse. This theft, combined with the current {$1200.00} freeze, marks the second time Ive been deprived of my funds through no fault of my own. 
Citibanks actionsfreezing my account without explanation, flagging legitimate transactions, failing to verify my phone number, and ignoring the theftdemonstrate negligence and unfair practices. I demand the immediate release of my {$1200.00}, an investigation into Citibanks handling of my account, compensation for my distress, and a formal explanation of their actions.

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 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing this complaint against Citibank, issuer of the Home Depot Credit Card, regarding inaccurate and harmful credit reporting. 

I have had my Home Depot Credit Card since XXXX and have never been late on a payment in over ten years of account history. In XXXX, I returned merchandise to Home Depot. Due to a Home Depot return-processing error, a small residual balance of {$3.00} remained on my account without my knowledge. 

Because I was unaware of this balance, Citibank assessed a {$2.00} late fee and reported my account as past due for XXXX and XX/XX/XXXX. This was not an intentional missed payment but the result of an inadvertent balance caused by a merchandise return. 

Home Depot has since admitted its mistake by crediting the {$3.00} back to my credit card. I have provided Citibank with a copy of the return credit as proof. Citibanks own letter acknowledges that my account now reflects a XXXX balance. 

Despite this, Citibank continues to report the XXXX and XX/XX/XXXX late payments to XXXX XXXX XXXX XXXX. As a result, my XXXX XXXX dropped from XXXX to XXXX, jeopardizing a pending mortgage approval. This is a severe and disproportionate penalty for an error outside of my control. 

I am requesting that the CFPB require Citibank to : Remove the XXXX and XX/XX/XXXX late payment entries from all consumer reporting agencies ; and Submit an off-cycle update to XXXX XXXX XXXX XXXX  reflecting my account as current and in good standing. 

I am attaching : A copy of the Home Depot receipt showing the {$3.00} refund Citibanks denial letter My prior correspondence I have been a loyal customer for over a decade with a perfect payment history until this incident. The late reporting is inaccurate and unfairly damaging. I respectfully request the CFPBs intervention to compel Citibank to correct the reporting immediately.

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 2025-08-20 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CT

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

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
Consumer complaint received 2025-08-20 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: OH

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
XX/XX/year> Opened an account with terms and conditions to receive a {$200.00} bonus. 
Terms : Make a direct deposit of {$400.00} or more within 60 days and get a {$200.00} bonus deposited to your account within 5 days. 

XX/XX/year> made a direct deposit of more than {$400.00}. 
XX/XX/year> sent a secure message in app asking about the bonus since it was supposed to be deposited within 5 days. 
XX/XX/year> they responded they would get back to me within 5 days regarding the bonus. 
XX/XX/year> no response from them yet, it's been over 5 days.

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 2025-08-20 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: MA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to reflect the highest standard of accuracy required. These errors are causing significant and ongoing negative impacts on my financial standing and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information on my credit report. I am a victim of identity theft as defined under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). The following information appearing on my credit file is not mine and should be blocked and permanently removed. 

Correct Information : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Fraudulent Names Reported : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Fraudulent Employment Reported : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses Reported : XXXX XXXX XXXX, XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX Fraudulent Accounts Reported : XXXXXXXX XXXX {$830.00}, Reported XXXX XXXX, XXXX, Closed XXXXXXXX XXXX {$4200.00}, Reported XXXX. XXXX, XXXX, Closed XXXX XXXX, {$1300.00}, Reported XXXX. XXXX, XXXX, Closed XXXX XXXX, {$200.00}, Reported XXXX. XXXX, XXXX, Closed Fraudulent Inquiries Reported : XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Collection Reported : XXXX XXXX XXXX XXXX XXXX {$1800.00}, Opened XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX items do not belong to me. I did not authorize these accounts, inquiries, addresses, or collections. Reporting them is a violation of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ).

I am requesting the following actions : 1. Immediate blocking and removal of all fraudulent information listed above. 
XXXX. Issuance of a corrected copy of my credit report once the deletions have been completed.

3. Notification to any party that has received my credit report within the past six months of these corrections, as required by law.

Enclosed are copies of my government-issued identification and proof of current address. I am also prepared to provide an Identity Theft Report from the FTC if needed. 

Please investigate and resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was told by manager at XXXX XXXX XXXX ( XXXX, Ohio ) that they cancelled/reversed a {$200.00} hotel charge because I did not proceed with my XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I followed up with the XXXXXXXX XXXX and called XXXX customer service because the {$200.00} charge was still pending, not refunded. Two things happened, I spoke with the hotel manager that day again and a customer service manager, I was assured XXXX released the authorization on XXXX, and that it was probably my bank that was holding up my refund. 

I contacted SOFI bank via chat on XX/XX/XXXX. I was told by SOFI that I have to request a refund from SOFI beccause SOFI did not know I had a pending charge because they couldnt see it and it would take 10 business days for my money to be refunded. 


Today, XX/XX/XXXX, I contacted both SOFI bank and XXXX customer service with no resolve from either company and both compnaies blaming each other. 

XXXX from SOFI told me that the information told to me on XX/XX/XXXX was wrong and that it was XXXXXXXX XXXX fault that the authorization was still pending because of them. I suggested XXXX call SOFI, XXXX stated the contact perso could ask for him directly. Also, a rep fro SOFI told me the refund would be available XX/XX/XXXX. 

I contacted the XXXX XXXX and provided SOFI number and XXXXXXXX XXXX name. XXXX asked for proof of the charge, I explained it is still pending. I informed XXXX I was going to make more complaints. One of the XXXX customer service reps or managers I spoke with today told me the authorization was reversed on XXXX and XX/XX/XXXX. 

I dont trust XXXX  or SOFI at this point, I was told by SOFI that the account managers are the end of the line as far as help, but they are not helping me or seem to care about my refund and want to blame Courtyard. SOFI has provided conflicting confusing unclear information about this issue. XXXX is also making it hard for this issue to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax sent a prepaid card for a breach. The card does not work. I added to my XXXX XXXX, can not access funds. I can not access the funds. I have to make an account every time in the web site. It will not recognize my card. I have asked to send me a physical cards. They took money from me to pay to send me a physical cards. Still have not received the physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY AND XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY AND XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Due to Fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Early Warning Services, I am writing to formally dispute inaccurate information associated with my Consumer ID ( XXXX ) that appears in your records. Specifically, I am disputing a reported principal loss amount related to XXXX XXXX under XXXX XXXX XXXX XXXX. 

This information is inaccurate and the result of fraud. I did not authorize or participate in the transaction ( s ) that led to this reported loss, and I have reason to believe my identity or account was compromised.

I am requesting that Early Warning Services investigate this matter thoroughly and remove or correct the erroneous data from my record. Please consider this letter my formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are supporting documents for your review : A copy of my government-issued ID Please provide a written confirmation once the investigation is completed, and notify me of any updates or actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We were working with freedom mortgage to refinance and cash out. Our payment for the month of XXXX was due to which our bank sent back for some reason. I made the payment with a different account and received notification it processed. XX/XX/XXXX at XXXX pm I called asking why it didnt reflect. The ladie told me she found the funds and that it went to the wrong place and to allow a few days for it to reflect. I called back XX/XX/XXXX and spoke to a ladie who in turn told me the payment was not made due to insufficient funds, I processed the payment again as I knew the funds were there. Upon XX/XX/XXXX Im waiting to hear back so I go to my bank to prove the funds are there and found out the account number I gave was one wrong digit. I was never notified until the XXXX when I called asking what all occurred and whats going on, that it was due to an invalid account number. All the while this whole month went on I was never contacted by the company, I kept making contact. Now we are being denied because of a late payment even though I made several attempts at making the payment and had I been told I was putting in the wrong account number I could have rectified and was also given false information on XX/XX/XXXX after being told the funds were there. No one ever followed up with me after all requests I made for documents.

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