vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
Citibank Case ID XXXX On Friday, XXXX XXXX XXXX, I had called Citibank to inform them that I was travelling for XXXX in XXXXXXXX XXXX XXXX XXXX  XXXX, the supervisor representing Citibank had pre-approved {$10000.00} per day transaction for my travel and XXXX. On Monday, XXXX XXXX XXXX the day of my XXXX, my debit card declined. While on the XXXX table, I asked to pre-authorize {$3600.00} for the XXXX fees I needed. XXXX XXXX, from XXXX XXXX had also been on the call with the Citibank supervisor who refused to provide his name and he rejected the life threatening request to approve a charge of {$3600.00}. I had not used the debit card so I knew I was not over the {$10000.00} limit. Again, the supervisor on the call with Citibank, again rejected my request even though I had informed him that I had been pre-authorized already by a previous supervisor to be able to spend {$10000.00} a day. The Citibank supervisor again continued to reject my request without any reason why I was rejected and hang up the call. 
On the same Monday, XXXX XXXX XXXX I had called Citibank to pursue a complaint about my life threatening situation as I was on the operating room in XXXX while the charges were rejected. I spoke to a Citibank customer agent named XXXX who created a formal complaint saying this was very wrong and discriminating to including the violation of rules against targeting laws against my family name. Soon after I submitted my complaint, my debit card was frozen by Citibank with no reason why. It is now XXXX XXXX XXXX and no one from Citibank has called me to give me a reason why my debit card has been frozen. I called today and was informed that my debit card has still been frozen. This is clear targeting by Citibank and discrimination against a family name that is political in nature of which I had nothing to do with. How many other family members with the family name " XXXX '' will be targeted and discriminated by Citibank? I want this published so everyone who banks at Citibank knows about this discrimination and would like a lawyer to represent me to pursue a lawsuit against Citibank who had denied me of my funds during a life threatening event. I can be reached at XXXX and email 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 2025-04-07 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : Experian 1. XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was part of the data breach with Equifax. They gave me pay to compensate for me being a victim. Never had account with XXXX XXXX  opened in XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXX opened in XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX  never missed a payment in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was part of the data breach with Equifax. They gave me pay to compensate for me being a victim. Never had account with XXXX XXXX  opened in XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXX opened in XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX  never missed a payment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I had a collection added to my credit report by Portfolio Recovery Associates and I was never given any information validating the debt nor could my signature agreeing to the debt be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
A woman named XXXX XXXX has been creating fake websites that appear as if they are login pages. This has been for companies such as XXXX, XXXX XXXX, XXXX, XXXX, among others Im sure. What happens is when you log in to these fake websites, youre asked to provide your banking information, and when you do that fake website becomes connected to your bank as a third party. She is trying to frame me for this, by using my XXXX XXXX  account and has paid for the domains with my XXXX XXXX but until recently, I hadnt logged on to XXXX XXXX in a long time. Please help me, as she has stolen money from me and is actively terrorizing my life with her hacking of my devices.

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 2025-04-06 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: KS

Complaint narrative:
I have been trying to dispute this several times. As I previously mentioned this collection was deleted when an old debt collector had this collection. Now its back under XXXX. When I originally opened XXXX XXXX  I walked into store location. As soon as I got home to connect it I had issues. So I called in to customer service who then told me to go back into store I might have defective device. I had to wait until I got time off so by the time I got back into store the bill was due and they told me it was suspended for non pay. So I paid that bill and got new device. Went home and again did not work. I was very disappointed because I knew it wasnt a problem with device. So I just unplugged it and never worried about it again. I assumed the account was prepaid since when I had went back into store the 2nd time and it was suspended. Now after careful review after discussing this situation with other like customers, come to find out the service is NOT available in my area. Thats why it was never working. When I went into store it was a store associates duty to check that before ever even opening me a account. I have been at the same location now as then. If you go to XXXX XXXX XXXX XXXX and click check availability put it my address it tells me NOT available!! So XXXX failed me 3 times not catching that. I assumed if I didnt pay the bill it would just get suspended. I even took the XXXX XXXX payment I paid and it still never worked. The next time I heard from XXXX about this account was notifying me of the XXXX . I am also asking for the FULL account history on this account. From the very beginning when I called in and was told to go back into store. Showing the suspension of non payment after 3 days after due date. Etc

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 2025-04-06 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: DISCOVER BANK
State: LA

Complaint narrative:
Account listed as opened now closed is not my account! I am unable to identify with and accept ownership of unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Subject : Request to Remove Inaccurate Credit Information Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXXXXXX XXXX XXXX XXXX/XXXX  {$11000.00} Account number XXXX Open date XX/XX/XXXX XXXX XXXX XXXXXXXX {$12000.00} Account number XXXX Open date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} Account number XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge- XXXX  Account Number : 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Subject : Request to Remove Inaccurate Credit Information Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXXXXXX XXXX XXXX XXXX/XXXX  {$11000.00} Account number XXXX Open date XX/XX/XXXX XXXX XXXX XXXXXXXX {$12000.00} Account number XXXX Open date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} Account number XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge- XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Time closed my account sometime ago and didnt give me a valid reason on why they tried to email me one day to open reopen my account I called about it and they never said anything about it or said that they sent an email about it and I can never open the chime account ever again And I dont have a rather reason why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
they reported my credit history inaccurately on XXXX this is defamation and a financial injury the Law says XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs XXXX XXXX. Fine is Extent of damages incurred by the wronged party as deemed by the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Dear CFPB Representatives, XXXX XXXX XXXX  response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect.

I am writing to request your intervention regarding XXXXXXXX XXXX XXXX ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.

Key Issues with XXXX XXXXXXXX XXXX Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXXXXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided.

Misclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXXXXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.

Persistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).

Failure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable 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 non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Dear CFPB Representatives, XXXX XXXX XXXX response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect.

I am writing to request your intervention regarding XXXX XXXXXXXX XXXX  ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.

Key Issues with XXXX XXXX XXXX  Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXXXXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided.

Misclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXXXXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.

Persistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).

Failure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Dear CFPB XXXX, XXXX XXXX 's response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect. 

I am writing to request your intervention regarding XXXX XXXX 's ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately. 

Key Issues with XXXX XXXX 's Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXX 's investigation has exceeded this timeframe, with no resolution or sufficient explanation provided. 

Misclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXX 's response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting. 

Persistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).

Failure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable 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 2025-04-06 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: NJ

Complaint narrative:
YOU ARE IN VIOLATION OF FEDERAL LAW Under 15 USC 1681e ( b ), you are required to maintain maximum possible accuracy in consumer reports. However, by reporting unverified, inaccurate, or unauthorized accounts, you are in direct violation of the statute.

Under 15 USC 1681n, willful noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Your refusal to correct these errors immediately will leave me no choice but to pursue legal action against your agency. 
COMPLAINTS HAVE BEEN FILED

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 2025-04-06 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
We planned a trip had to cancel it. The airlines gave us back the money on the credit card, Chase reversed the charges, and then charged 2 more times for the same amount. We got the attorney involved, and those charges are still on our credit card, and because credit scores are so important in our country, we can not go and not pay them. I want all charges gone, and I am willing to give up the Chase Credit card company for the lack of care they have given to us.

The following things we have done : Chase told us to write a dispute we did that Then they charged us 2 more times for the same price, plus taxes. They told us to write another dispute, this is when we got the attorney involved ; they called my husband and told him it would be fixed. The charges are still there.

Company response to consumer: Closed with explanation