vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-07-28 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX  with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Citibank , N.A . 
Charter / License XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Re : Abrupt, unexplained account closure and not following process ( re : XXXX ) I have {$25000.00} of hard-earned money sitting in a locked Citi savings account that I can not access in any way. Despite my multiple calls to XXXX XXXXXXXX XXXX  number and to in-person branches, I have not been able to regain access to my funds. I find this situation unacceptable, and I am seeking relief by returning the funds by XX/XX/year>. 

I took Citi Bank up on a promotional offer for XXXX months of higher yield on a savings account product. I opened my savings account online with CitiBank on XX/XX/XXXX and quickly deposited a total of {$35000.00} over 3 days in order to meet the promotional requirements. 

On XX/XX/year>, Citibank blocked all access to my account, effectively holding the funds XXXX, and sent a letter saying there will be no transactions into or out of the account, and that I can get the funds expedited to me by speaking to a representative at a local bank branch. 

This letters stated policy has not been followed. No Citi representative has been able to solve my complaint. 

Firstly, XXXX transactions have occurred on the account, in contrast to the letters stated policy, XXXX deposits/ credits have been made on the account, showing that the account is capable of having transactions made on it. The first was on XX/XX/XXXX for an amount of {$98.00}, and the second was on XX/XX/XXXX for the amount of {$20.00}. 

After receiving the XXXX XXXX letter Account Closing Notification on XX/XX/year>, I called Citis XXXX XXXX line over 6 times to no avail. On XXXXXXXX XXXX XXXX, I visited the Citi Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to XXXX XXXX at XXXX, waited for a banker, and then spoke with XXXX XXXX. XXXX explained that XXXX back office had frozen the account so that not even our branch managers have the ability to touch the account. 

This is a breach of Citi Banks letters policy explaining the process, and the accounts terms of service. 

Thus, I have at least {$25000.00} of hard-earned money sitting in a locked Citi savings account that I can not access in any way. I find this situation unacceptable, and I am seeking relief by returning the funds to me by XX/XX/year>.

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 2025-07-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
I am currently in default on my mortgage due to financial hardship. I have attempted multiple times to work with my mortgage servicer to resolve the delinquency through loss mitigation options such as a loan modification, repayment plan, or forbearance. However, the company has refused to offer any meaningful assistance. 

Each time I contact them, I am told the only option is to pay the full past-due balance in a lump sum which I can not afford. They advertise that they are willing to work with struggling homeowners, but they have made no effort to evaluate my situation or offer alternatives. I have explained my hardship and requested help in writing and by phone, but my requests are ignored or dismissed. 

I believe this is a case of predatory servicing, and they are not complying with the requirement to offer or evaluate loss mitigation options before proceeding toward foreclosure. Their refusal to consider reasonable alternatives seems to be pushing me toward foreclosure without due process or good faith negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-07-28 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: Colony Brands, Inc.
State: TX

Complaint narrative:
The presence of a derogatory rating on my credit account has become a source of significant distress and financial hardship. This negative mark has already caused tangible harm to my financial standing, resulting in the denial of a recent loan application and triggering increased interest rates on my existing credit accounts. The ongoing impact of this derogatory information continues to create severe financial strain and emotional distress, affecting my ability to secure favorable credit terms and limiting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
They removed my email unlinked it from my cash app without my consent or knowledge. Then emailed me and said I wasn't responding when I infact was and proved I was and now they left some number that isn't my number on my cash and they won't let me recovery my own account. And it has {$500.00} in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: GA

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-28 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-28 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Requesting some grace for an error I received on my credit report recently. I know it was clearly a mistake.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report recently dropped XXXX points by transunion stating a NEW inquiry from bankruptcy filed XXXX XXXX a new public record was added. I called transunion 4 times and spoke to 4 different reps who said they would escalate my problem to a supervisor because they had no idea what happened and a supervisor would return my call within 48 hrs. It had been 11 days so far and no supervisor has called me back despite several calls to the office. I have not filed bankruptcy since XXXX  and the other 2 reporting agencies dont even show it on my record anymore. Transunion is the only one who just added it as a NEW inquiry this month and lowered my score over XXXX points. Nothing is being resolved when I called and Im being lied to about calls back.

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 2025-07-28 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: PA

Complaint narrative:
I reviewed my credit report like I normally do, but this time I was surprised to find unexpected discrepancies. I attempted to refresh the page thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this issue, Im requesting that the documents I submitted be carefully reviewed so I wont have to deal with this concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer credit report, these serious issues remain unaddressed. The continued inclusion of these unauthorized items has caused me substantial distress and XXXX, significantly impacting multiple aspects of my daily life. I want to emphasize that I never authorized or consented to any of the accounts or information currently associated with my name, as I have been a victim of identity theft and these entries are the direct result of criminal activity perpetrated against me.

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer credit report, these serious issues remain unaddressed. The continued inclusion of these unauthorized items has caused me substantial distress and XXXX, significantly impacting multiple aspects of my daily life. I want to emphasize that I never authorized or consented to any of the accounts or information currently associated with my name, as I have been a victim of identity theft and these entries are the direct result of criminal activity perpetrated against me.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: NV

Complaint narrative:
I made a purchase from XXXX  the item was lost or stolen I notified the company and XXXX after several weeks of trying to get a refund XXXX contacted me to let me know that they tried several times to credit back my card which is through XXXX XXXX after contacting XXXX XXXX they had closed my account stating the reason was because the card how somehow had been compromised and a new card was being issued I was never notified by XXXX XXXX of this issue any how the account was closed a new card was set however XXXX was unable to refund the card so again I contact XXXX XXXX filed a chargeback claim I received the chargeback for {$59.00} then 8 days later they reversed it now I am overdrawn the amount. I have called numerous times and keep getting the run around from XXXX XXXX and I do believe that XXXX has tried several times to attempt to refund me so now XXXX XXXX will do nothing I have emailed several times no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Alorica Inc.
State: AL

Complaint narrative:
The presence of a derogatory rating on my credit account has become a source of significant distress and financial hardship. This negative mark has already caused tangible harm to my financial standing, resulting in the denial of a recent loan application and triggering increased interest rates on my existing credit accounts. The ongoing impact of this derogatory information continues to create severe financial strain and emotional distress, affecting my ability to secure favorable credit terms and limiting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-28 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-28 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Chime Financial Inc
State: MO

Complaint narrative:
I canceled my XXXX XXXX membership and they continued to charge my card

Company response to consumer: Closed with monetary relief