vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid my Citi Credit Card in full, which is when it is due. XXXX  days later I was charged XXXX interest charges on the card. After speaking with multiple representatives the interest was waived, however they informed me that in order to clear the balance on my card completely, Id have to pay the balance in XXXX consecutive months, once for the balance and another time for the interest. This statement is false. I attempted to argue that if there is no balance there should be no interest, which the representative disagreed and would not honor. 

Upon further inspection of my account, I found that beginning in XXXX in XXXX I was being charged XXXX interest charges of different dollar amounts. Then starting in XX/XX/XXXX I began getting XXXX interest charges. When I contacted the bank about this they claimed that my interest rate changed in XXXX and then again in XXXX, but the interest rate for the charges were the same until XX/XX/XXXX. Adding up the totals for the principles also did not line up with the statement, which makes the statement hard to follow.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Support ( Upgrade , Inc. ) XX/XX/2025, XXXX PDT Hi XXXX XXXX XXXX Thank you for contacting the Upgrade Team. Were here to help! 

Thank you for bringing this concerning matter to our attention. We sincerely apologize for the frustration and inconvenience you've experienced with your ATM transaction on XX/XX/XXXX. 

We have carefully reviewed your account and can confirm that we have received your documentation regarding the {$93.00} charge ( {$90.00} withdrawal attempt plus {$3.00} transaction fee ) and the additional {$2.00} out-of-network ATM fee. We understand your frustration that these funds were debited from your account even though the ATM declined the transaction and no cash was dispensed. 

This issue has been escalated to our dedicated dispute resolution team as a priority case. We can see from your account history that you've already spoken with our representatives about this matter, and we want to assure you that we are working diligently to resolve this situation. 

We have initiated an expedited investigation into this matter. Our team will thoroughly review the transaction details, including the documentation you've provided, to determine the appropriate resolution. While standard processing typically takes XXXX business days, we are marking your case for priority handling given the circumstances. 

We value you as our customer and understand the importance of having access to your funds. A member of our team will contact you directly within the next XXXX hours with an update on the status of your case. 

Thank you for your patience as we work to resolve this matter promptly. 

If you have additional questions, we invite you to review our Frequently Asked Questions in our Help Center or contact us by calling our toll-free line at ( XXXX ) XXXX, Monday - Friday XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Thank you, The XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report is showing unauthorized inquiries from XXXX  XXXX via dealer on XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. These UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy and these inquiries needs to be removed 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 2025-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ASSOCIATED BANC-CORP
State: OH

Complaint narrative:
My CD ( account ending in XXXX ) matured on XXXX XX/XX/year>. I called on that day as instructed in a letter received from the bank dated XXXX XX/XX/year> titled " Pre-renewal notice. '' I requested that the CD did NOT get renewed, and instead the funds ( i.e. original deposit plus accrued interest ) be deposited into my existing checking account also with Associated Bank. In speaking with two different customer service representatives, both confirmed that : + I can not close my account over the phone. I also can not transfer into my existing checking account over the phone. 
+ To process this request, I must visit a physical bank branch. 
+ When I noted that I do not live within XXXX miles of a branch ( I live in XXXX Ohio ) I was told to send a notarized letter, but that the letter would arrive after the grace period had expired and I would therefore be subject to administrative fees and penalties. 
+ I also called a bank branch ( XXXX, WI ) and was told a branch XXXX would call me back later in the day to assist me. No return call was received. 

If I am able to open an account and deposit funds online with Associated Bank, why am I unable to access my funds the same way? Why is my only option presented one that will cost me time and money ( shipping / postage and notary fees )? If I can not access my money and move it to a different account at the same bank why is this bank licenseed to do business in the state of Ohio?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
The Consumer Reporting Agencies ( TransUnion, Equifax, Experian, XXXX, XXXX, XXXX, XXXX  ) are each violating the Fair Credit Reporting Act ( FCRA ) by maintaining inaccurate, incomplete, and misleading tradelines in my consumer credit files. This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. 

Despite multiple disputes, the CRAs have : Failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ; Reinserted or continued to publish inaccurate information without proper certification under 1681i ( a ) ( 5 ) ; Ignored evidence of discharge, transfer into trust ownership, or non-collectibility of debts ; Relied on furnishers who themselves are in violation of 1681s-2 ( b ) by failing to investigate.

This is not an isolated mistake. It reflects a systemic breakdown of CRA procedures which Congress explicitly sought to prevent when it enacted the FCRA. The law requires maximum possible accuracy, not mere minimum compliance. Courts have consistently held that inaccurate reporting of charge-offs, discharged debts, and uncollectible accounts violates the FCRA.

The CRAs actions have caused and continue to cause irreparable harm, including : Denial of housing and credit opportunities ; Increased costs of borrowing and insurance ; Damage to my professional and personal reputation ; Emotional distress and loss of economic opportunity. 
These harms can not be remedied by money damages alone once false data is published, the damage is ongoing. In equity, this is equivalent to a cloud on title, which courts will not permit to persist. 

CRAs are federally regulated entities. Their failure to maintain accuracy and reinvestigation procedures undermines the integrity of the entire consumer reporting system, and by extension, the banking and credit markets regulated by the OCC, FTC, and CFPB. If CRAs are permitted to ignore 1681e ( b ) and 1681i ( a ), then every consumers access to fair credit is compromised.

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 2025-08-23 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: GA

Complaint narrative:
To whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is a result of that XXXX.

Disputed Accounts XXXX XXXX XXXX XXXX o The business credit agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX o The business credit card agreement showing it should report to the business and not personal credit. 
XXXX XXXX XXXX XXXX XXXX o This account does not belong to me. 
XXXX XXXX o There is inaccurate information regarding this student loan account. 
XXXX XXXX XXXX o There is inaccurate information regarding this student loan account. 

Unauthorized Inquiries 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 XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is reporting a XXXX XXXX credit card debt of {$710.00} on my credit file. This account does not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and require that the credit bureaus and the furnisher conduct a reasonable investigation. If they can not verify with proper documentation that I am legally responsible for this account, it must be removed.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of the debt. Portfolio Recovery has not provided a signed agreement, account statements, or any documentation proving I owe this debt. Attempting to collect and report a debt without proper validation violates 15 U.S.C. 1692e ( false or misleading representations ) and 1692f ( unfair collection practices ).

I request that Portfolio Recovery Associates be required to cease all collection activity on this alleged debt unless they can provide full validation. If they can not provide proof, the account must be permanently deleted from my credit reports and not resold, reassigned, or placed with any other collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I demand that you review your records for my credit file due to your company using unfair credit reporting methods. I requested copies of my contract with this collection agency but got no response. I never had any business with your company XXXX XXXX  nor gave my written consent. This company is NOT LICENSED to collect in my state. This company is in violation of not just my privacy rights as a consumer but multiple federal laws including FCCPA, FCRA and FDCPA. As per FTC guidelines reporting this account on my consumer credit report is a collection activity. Therefore, you are in violation under 18 U.S. Code 894- Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account on my credit report is a form of punishment and hurting my chances of purchasing a home for my family. Cease and desist, delete this account 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 non-monetary relief
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I demand that you review your records for my credit file due to your company using unfair credit reporting methods. I requested copies of my contract with this collection agency but got no response. I never had any business with your company XXXX XXXX  nor gave my written consent. This company is NOT LICENSED to collect in my state. This company is in violation of not just my privacy rights as a consumer but multiple federal laws including FCCPA, FCRA and FDCPA. As per FTC guidelines reporting this account on my consumer credit report is a collection activity. Therefore, you are in violation under 18 U.S. Code 894- Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account on my credit report is a form of punishment and hurting my chances of purchasing a home for my family. Cease and desist, delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MI

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, a fraudulent XXXX  account ( Loan ID : XXXX, Balance {$150.00} ) was opened using my Social Security number and my maiden name XXXX. I discovered this in XX/XX/XXXX and immediately filed an FTC Identity Theft Report ( Report # XXXX ). XXXX has confirmed in writing that the account was fraudulent, canceled, refunded, and marked as identity theft. Experian refused to remove a fraudulent XXXX account from my credit report despite my providing an FTC Identity Theft Report and documentation from XXXX confirming the fraud. They closed my dispute multiple times without proof, left the account as verified, and continued reporting it as valid, in violation of the FCRA. 
I provided Experian with : My FTC Identity Theft Report and proof of identity A utility bill showing my current address XXXX  fraud confirmation letter A written dispute stating I had no knowledge of this account Despite this, Experian repeatedly closed my dispute and continued to report the XXXX  account as verified and remains, showing it as a charged-off debt with late payment history. Experian has failed to : Conduct a reasonable reinvestigation ( FCRA 611 ) Block fraudulent information upon receipt of an identity theft report ( FCRA 605B ) Provide me with documentation relating to the fraudulent account ( FCRA 609 ( e ) ) Harm Suffered My credit report still shows the fraudulent XXXX  account as a charged-off debt. 
My credit score and access to fair credit have been harmed. 
I have lost significant time and experienced XXXX  from Experians refusal to follow federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX Balance : {$290.00}, XXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been divorced since XXXX. My ex-wife was awarded the home at the time of the divorce, XXXX  XXXX XXXX owned the loan. The loan was good then. Carrington Mortgage bought the loan in XXXX time period. So the XXXX  XXXX XXXX loan was closed out with the status of " XXXX XXXX '' and the comments said " Transferred to another XXXX ''. 

Around XXXX during a weather event. Carrington Mortgage altered the loan and now the Comments say " Loan Modified Non Government ''. Carrington Mortgage did not contact me to authorize any modification to this loan. I did not give my permission to do any such thing. I have been remarried and bought another home all before Carrington Mortgage bought this loan from XXXX  XXXX XXXX. So they dont have any dealings with me. I contend they can not produce any documents or calls that I approved this. I have only talked to the XXXX times and that was when the loan was late. My ex-wife manages this loan. I am still the primary on the loan. But I did not authorize this and I want those remarks removed from all XXXX credit bureaus. The Remark in question is, XXXX XXXX XXXX. 

I contacted Carrington Mortgage in XXXX to have this removed and they said it wasn't their comments it was the Credit Bureaus. I contacted Experian and they investigated with XXXX Mortgage and nothing was done. The comments were not removed. 

XX/XX/XXXX, I contacted Carrington Mortgage to have the comments removed and they said they only do that through the credit Bureaus. I contacted XXXX  and filed an investigate. I also did it with XXXX XXXX  finished and said the info was accurate. So I'm fiing this complaint to get someone to hold Carrington Mortgage responsible for what they are putting on my credit report. They should be able to show tangible proof where I authorized this loan modification by mail, signature, phone call, email, something. They can not because I never authorized it. This has a real affect on my XXXX XXXX. I would like to get them to take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AZ

Complaint narrative:
I have an account with SoFi. On XX/XX/XXXX someone fraudulently logged into my account changed my phone number switched over {$2000.00} I had in savings to my checking and spent it all. I been going rounds with SoFi and they have not even attempted to try and get my money back. I need my money to work.

Company response to consumer: Closed with explanation