vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX, I started paying on a trip to XXXX XXXX XXXX XXXX through this XXXX XXXX XXXX XXXX XXXX I used my Citi bank debit card on XX/XX/XXXX to make {$1000.00} payment and then on XX/XX/XXXX, for another payment of {$1000.00} then another payment of {$350.00} I also used XXXX other credit cards for this the trip of a lifetime So, I made by final payment on XX/XX/XXXX, XXXX and I XX/XX/XXXX, I got my XXXX XXXX XXXX  XXXX so on XX/XX/XXXX, I found out that I had scammed out of {$3900.00} for a trip to XXXX that this XXXX XXXX XXXX XXXX never booked the hotel or flight. So, XXXX XXXX I called all the credit card companies that I had used to book this trip with. to cancel my cards because cause XXXX XXXX  had all my cards information and she also has a copy of my passport. A police report was filed on XXXX XXXX so upon speaking with Citibank reps whom barely speak XXXX I was told that my dispute time or grace period has lapped and I tried to explain to the I understand your company 's [ policy but I did know I was scammed until XX/XX/XXXX, that's XXXX months and this I think is different because I was scammed and had no Idea, So Citibank start to refund my money after I sent in all XXXX pages of document of police reports XXXX  reports and other supporting document in this fraud case. and Citibank is still refusing to refund my last {$1000.00} from account 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 monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXXI am writing to file a formal complaint regarding issues with my Fidelity credit card account (Credit Card XXXX XXXX XXXX XXXX XXXX. I have been a customer since XXXX and have maintained good standing with no late payments or unauthorized transactions.XXXX XXXX XXXX XXXX, I made my usual minimum payment. A few days later, on XXXX XXXX XXXX, I made an additional payment of XXXX. Unfortunately, I accidentally entered an extra XXXX, making the payment XXXX instead. I did not notice the error as I was driving. The following day, I received notifications indicating my credit limit was reduced to XXXX and then, on XXXX XXXX XXXX, I received a letter confirming the decrease. However, shortly after, I received another notification stating my account balance had reverted to XXXXConfused, I contacted Fidelity Cardmember Services and was transferred to the Verification Department, where I was fully verified. I explained the payment error, and the representative informed me that my account had been closed. I was told a letter would be sent with the reason.XXXX XXXX XXXX, I made my regular payment, assuming everything was fine. However, in XXXX XXXX, I received a letter stating my account was closed due to high risk and possibly fraudulent activity. This caused significant stress, as I have two past major surgeries and am officially disabledXXXX XXXX XXXX XXXX, I was notified that my minimum payment was now XXXX an amount I cannot afford. I repeatedly called Fidelity Cardmember Services to resolve this, but I was continuously transferred between departments with no clear explanation. Eventually, I was told I had to default on the account or pay the full amount, which would hurt my credit and potentially cancel my health insuranceXXXXI made a partial payment of XXXX on XXXX XXXX XXXX, which was accepted, but the demand for XXXX remains.XXXXI request your assistance in resolving this issue, as the situation arose from an honest mistake. I am seeking to correct the billing and avoid reporting this as a late payment, which would severely harm my credit and medical care. I respectfully request that Fidelity be blocked from reporting this as a late payment to credit bureaus.'

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 2025-09-30 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S. XXXX XXXX XXXX ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance {$270.00} of account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance {$0.00} of account number XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance {$0.00} of account number XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX XXXX XXXX XXXX- OPENED XX/XX/XXXX WITH THE BALANCE OF {$0.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX- OPENED XX/XX/XXXX WITH THE BALANCE OF {$240.00} ACCOUNT NUMBER XXXX  XXXX XXXX XXXX- OPENED XX/XX/XXXX WITH XXXX XXXX OF {$130.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$120.00} account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$120.00} account number XXXX XXXX DEBT RECOVERY- Opened XX/XX/XXXX with a balance XXXX {$6300.00} account number XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$670.00} account number XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$250.00} account number XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX with the balance of {$0.00} account number XXXX XXXX XXXX BANK- Opened XX/XX/XXXX with the balance of {$260.00} account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with the balance of {$0.00} account number XXXX XXXX XXXX SERVICE- Opened XX/XX/XXXX with the balance of {$0.00} account XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with the balance of {$14000.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$960.00} account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX, # XXXX, # XXXX # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-09-30 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: AZ

Complaint narrative:
This is identity theft and fraud. XXXX accounts are being reported that I never opened or authorized : XXXX XXXX XXXXXX/XX/year>, high credit {$430.00}, charged off/sold XXXX XXXX XXXXXX/XX/year>, high credit {$540.00}, charged off/sold I never lived at or used the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these accounts are tied to. Another company, XXXX XXXX XXXX, has already confirmed in writing that their account ( XXXX XXXX XXXX XXXX also opened in XX/XX/year> ) was connected to this same fraudulent address and they deleted their collection as a result. 

These XXXX accounts are part of the same fraud. They are not mine, they were opened without my consent, and they must be permanently deleted from my credit 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 2025-09-30 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: NJ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. 
If Equifax can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX CARD/XXXX  BANK XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00}

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 2025-09-30 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: MO

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-09-30 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: CA

Complaint narrative:
I was out of the country, and upon returning, I discovered this account reported on my credit file. I attempted to contact directly to resolve the matter, but the assistance I received was unhelpful. I am disputing this account as inaccurate and request that it be investigated and removed if it can not be fully validated.

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 2025-09-30 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: CA

Complaint narrative:
I was out of the country, and upon returning, I discovered this account reported on my credit file. I attempted to contact directly to resolve the matter, but the assistance I received was unhelpful. I am disputing this account as inaccurate and request that it be investigated and removed if it can not be fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
{$540.00} XX/XX/year> I submitted a dispute directly with Experian. My dispute explained that Experian is reporting the account as " charge-off '' while stimultaneously listing a current balance due. This is inaccurate and misleading because once an account has been charged off, it should not be reported as if it is both written off and actively due at the same time. 
Experian completed their investigation and responded by claiming the information was verified with the creditor, failing to correct the inaccurate reporting, and providing no change. Despite my dispute, the account remains inaccurately reported. 
FCRA violation XXXX USC XXXX ( b ) requires credit reporting agencies to ensure maximum possible accuracy. XXXX USC XXXX requires reinvestigation of disputed information and deletion of inaccurate or unverifiable 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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
So I believe this company In on fraud because the company I got my car XXXX they doctored up my paperwork put my other down a a trade in but I still have my car which I never told them I had a car in the first place. I calls them they been telling me they gone give me a deferred payment but it was never submitted thy use nasty words or talk to you crazy to get you to pay something g on the car they been giving me the run around if I pay this they give me a deferred payment I have to be XXXX  months behind to get a deferred payment they lied I had to make a payment in order to get a deferred payment now I talked to another lady payed XXXX she was supposed to gas meXXXX months called back because I was getting repossessed emails they never filled the paperwork like Im tired of these people lying g back and forth then arguing with these ppl they rude they steady lying giving me the run around THE NAME OF THIS COMPANY IS AMERICAN CREDIT A Acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I received an email from American Express with a promotional offer to open a new savings account by XX/XX/year>. Simply stated, the offer was : a {$500.00} bonus after I opened a new savings account, deposited {$35000.00} within 30 days, and maintained at least {$35000.00} in the account for XXXX consecutive days. 

On XX/XX/year>, I opened a new Amex savings account following the link in the email. That same day, I initiated a funds transfer ( pull ) for the amount of {$35000.00} from my external institution into my new Amex savings account. That balance appeared as posted in my account on XX/XX/year>. All records I can find surrounding that balance show the full amount to have been posted & reflected in my ledger. 

On XX/XX/year>, I initiated a funds transfer ( push ) in the amount of {$35000.00} from my Amex savings account into my external institution 's account. That transaction appeared as posted on the same day. Note that XX/XX/year> is 62 days past XX/XX/year>. 

On XX/XX/year>, I contacted American Express XXXX XXXX via phone. The purpose of this call was to inquire about the status of my {$500.00} bonus. The representative informed me that I had failed to satisfy the requirements because the original funding amount was not made " available '' to me until XX/XX/year>. Therefore, I had withdrawn my funds XXXX days too early and was ineligible for the {$500.00} promotion reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with explanation