vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
While doing spring cleaning, I found a refund check for {$1000.00} issued by the XXXX XXXX XXXX  Unsure if the check was still valid, I contacted Citibank before depositing it and was advised to proceed. I was told that if it was expired, I would just need to request a new one from the issuer. 

I deposited the check on XX/XX/year>. I received email confirmations and noticed that the deposit was in review, leading me to believe there were no issues. However, without warning, Citibank flagged my accounts for fraud, froze both my checking and savings accounts, and ultimately closed them. I was given no written notice or confirmation regarding these actions. 

I later visited a Citibank branch, where a teller contacted the fraud department. Only then did the representative verify directly with the XXXX XXXX XXXX that the check was indeed legitimate but had expired. Despite this, my accounts remained closed, and I was informed I would have to wait up to XXXX business days to receive a check for the remaining balances in my accounts. I currently have no access to my funds and have received no official written communication regarding the closure of my accounts or when I will receive my money. 

Additionally, despite the mishandling of this situation, the fraud representative asked the teller to see if I would be interested in opening a new account with Citibank, which I found highly inappropriate. 

I I am requesting the CFPBs assistance to ensure that Citibank : Provides immediate written confirmation of my account closure. 
Clearly confirms the exact amount of my remaining funds and the timeline for their return. 
Issues written confirmation that I have been fully cleared of any fraud allegations and that this will not impact my banking history.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Money was sent from my XXXX XXXX  account and sent to a person that I do not recognize or know. The name XXXX XXXX and three transactions were made for {$35.00}, {$45.00}, and {$65.00} for a total of {$140.00} This all happened on XX/XX/XXXX of 2025. I initially got my money back from the back but XXXX XXXX denied because it was sent from my account and now theyre making me pay back those {$140.00} on XX/XX/XXXX. Once again I do not know who this person is and I did not authorize these transactions.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
found out that a second card had been opened in my name they I never requested or authorized, contacted the company to permanently close the acct and remove the inquiry on my credit

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 2025-05-16 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$5700.00}, online information ser Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$240.00}. 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 XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 US 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 2025-05-16 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
XXXX XXXX XXXX XXXXXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
On XXXX the XXXX 2025 I sat up a Crypto.Com account and used my driver 's license and social security number to verify my identity. I set my email and phone number and then mad a couple deposits at some point not sure exact times on those. Well, I got into an accident ( no I don't want to rehash it ) but my phone was destroyed and I got another phone but also another number due to the nature of the accident. I had my email set at XXXX and then someone went in and changed it. I had lost access to my own account but someone named XXXX I guess gained access because I have been on chats flnon stop for the past 2 weeks with Crypto.vom customer service begging and pleasing for my account I have been lied to multiple times and told me.rheh were changing my credentials and I would go.tey to sign in and the system took it like I was creating another account and so.its been crazy. As I mentioned previously I verified this account when I made it with a picture of my driver 's license and. Myself and then gave them my social security number. I. The past 6bsays I have done an identity check 13 times and still don't have access to my account but they let a hacker in. Tell me just how a hackee can get in so easily when I am the account owner and they refuse me access to what is legally mine. I have verified 13 different times and they keep saying oh it will be tonight or it's takes time or something to that affect. Please help me recover my account from. crypto.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My lease with XXXX XXXX is ending on the last day of XX/XX/year>. I attempted to schedule a pre-return inspection through their required vendor, XXXX, but the earliest available date provided was XX/XX/XXXX leaving a very short window before the lease ends. 

XXXX XXXX told me I could drop the vehicle off early without the inspection, but warned that I would be fully responsible for any post-return charges, with no opportunity to review or fix any issues. This puts me at financial risk. 

I called XXXX XXXX  approximately 3 or 4 times. Each time, the call disconnected the last time while speaking with a manager. That call ended abruptly after phone tones were heard, which made it feel as though the disconnection may have been intentional or caused by a system malfunction. 

The representatives I spoke with were not clear in their communication, likely due to XXXX being their second language, which made it difficult to fully explain or resolve the issue. 

Additionally, XXXX  online tool for scheduling inspections was not functioning, so I could not book through the website. 

As a result of this delay and limited availability, I am being forced to continue insuring a vehicle I no longer use. I requested that XXXX XXXX waive the disposition fee or offer a credit for these added insurance costs, but they declined unless I re-lease a vehcile with them ( predatory practice ). Im seeking assistance because I am being unfairly penalized for a process that is outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( XXXX XXXX XXXX XXXX XXXX ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Failure to process my IDR application on time. Customer service gave me incorrect information about how to make payments and loan status.

I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
The debt date is XXXX for XXXX I have been disputing it for like 2 times XXXX the account XXXX XXXX XXXX  is w the collection account w CENTRAL PORTFOLIO CONT IT STATES IT WAS OPENED XXXX XXXX XXXX  ON THE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 USC 1692c states that a debt collector is allowed to communicate with a consumer directly, but there are specific restrictions on communicating with others. Without the consumer 's consent or permission, debt collectors can only contact others to determine the consumer 's location, and they must identify themselves but can't reveal the debt. If a consumer is represented by an attorney, the debt collector must communicate with the attorney. Does that sound like what you needed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
noted a significant score drop of approximately XXXX points as my credit card balance increased from {$25.00} to {$1100.00}, raising my utilization from 0.5 % to 22.5 %. As of XX/XX/2025, this balance has been fully paid off and now reflects a {$0.00} balance, resulting in 0 % utilization. 

According to my documented score behavior : The increase in balance from {$25.00} to {$1100.00} led to a XXXX drop. 
Therefore, the return to {$0.00} ( 0 % utilization ) should result in a comparable increase of XXXX points, restoring my score to its prior standing. 
If my credit score is not accurately updated to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CENTRAL PORTFOLIO CONTRO regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7900.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CENTRAL PORTFOLIO CONTRO but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PROPERTY RECEIVABLES COR regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PROPERTYRECE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PROPERTY RECEIVABLES COR but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 dispute the following information appearing on my credit report. The items marked are inaccurate, and I request that they be verified for accuracy or removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Transunion

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 2025-05-16 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: FL

Complaint narrative:
I am writing to dispute the following information appearing on my credit report. The items marked are inaccurate, and I request that they be verified for accuracy or removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Transunion

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 2025-05-16 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:
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. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-05-16 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: FL

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 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