vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank checking account on XX/XX/year> at the branch located at XXXX XXXXXXXX XXXX XXXX NY XXXX. The banker assisting me, XXXX XXXX, stated that I would receive a {$750.00} promotional checking bonus if I deposited more than {$30000.00} within 10 days of account opening and maintained that balance for 90 days. I was also told that because I was referred by a friend, my friend would receive a {$100.00} referral bonus. 

On XX/XX/year>, I deposited {$32000.00} into my account and maintained a balance of at least that amount through the end of XX/XX/year> to satisfy the 90-day requirement. Despite meeting all conditions, I did not receive the {$750.00} bonus, and my friend did not receive the {$100.00} referral bonus. 

I attempted to resolve this directly with Citibank and made numerous contacts : Called the banker, XXXX XXXX : XXXX Called the branch manager, XXXX XXXX : XXXX Called the branch line listed online : XXXX Called Citibank customer service ( number on back of debit card ) : XXXX I was repeatedly told that because the account was opened in person, the branch must resolve the issue ; however, none of the calls to the branch were answered. 

On XX/XX/year>, I visited a Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX stated he would email the original banker and update me on XX/XX/year>, but I never received a response. 

I have fulfilled all required terms of the promotion, and Citibank has not issued the promised bonus or the referral payment. I am filing this complaint because Citibank has been unresponsive and has not honored the promotional offer. 

Requested resolution : 1. Issue the {$750.00} checking bonus to my account.

2. Issue the {$100.00} referral bonus to the referring customer.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The balance is cleared, but the report still shows late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
After carefully reviewing my credit report, I identified several entries that contain inaccurate, incomplete, or unverifiable information. These errors negatively affect the accuracy and integrity of my credit file. I am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a lawful investigation and correction of the items listed below. Under FCRA 607 ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy in consumer reports. FCRA 611 ( a ) also requires that disputed data be verified directly with the original source of information. Any data that can not be verified must be deleted promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * Balance : {$500.00} XXXX XXXX * * * * * * * * Balance : {$3400.00} XXXX XXXX * * * * * * * * Balance : {$200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance : {$2000.00} XXXX XXXX XXXX Court : XXXXXXXX XXXX XXXX Reference # : XXXXXXXX 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

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 2025-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I disputed a {$5000.00} charge for services not rendered from an attorney named XXXX XXXX. I never received the services I paid for, and Bank of America refused to remove the charge under FCBA / billing error protections.

Instead of protecting me as a consumer, Bank of America proceeded to reduce my credit limits and eventually closed my accounts. I am asking for proper billing error investigation, chargeback protection, and correction of the disputed transaction as required under FCBA.

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 2025-11-11 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: IL

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 



Account Details : 1. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/year>, I was called by a Representative at U.S. Bank and told that they were terminating my accounts, as they thought a {$7800.00} wire transfer was fraudulent and were in the process of closing all U.S. Bank closed my Checking, Savings and Business accounts and froze my US Bank XXXX XXXX to pay my credit card. XXXX of their XXXX XXXX XXXX at XXXX Campus University XXXX XXXX XXXX, IA screwed XXXX and omitted an account number, further delaying a transfer I was trying to make. Money was needed by a certain date/time, it caused a penalty, costing more XXXX I have called the XXXX Department over XXXX times asking for a status of them releasing over {$8000.00}, plus XXXX & my XXXX account. The have never even responded to my question over a week ago to let me know when the funds XXXX be released. I have explained multiple times why I reinitiated a wire transfer ( a transaction amount fully allowed within the {$25000.00} wire transfer allowed, then they called it fraud. I even showed the bank XXXX the MFAs that I use on my account/phone. 
They have had their time for investigation and surely are NOT returning my money. Do not under any circumstances use this bank, because their Managers are very judgemental, make errors & then won't release money on a timely basis.

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 2025-11-11 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Lates XX/XX/XXXX 90 days and 120 days10/2023, lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, lates XX/XX/XXXX, lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, lates 90 days XX/XX/XXXX and lates 120 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XX/XX/XXXX 30 days, 60 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA XXXX and late paymentsreversed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XX/XX/XXXX 30 days and 60 days XX/XX/XXXX - not reported on other 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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I canceled my XXXX internet service which was provided to the address XXXX XXXX XXXX, XXXX OH on XX/XX/XXXX after prior cancellation attempts beginning in XX/XX/XXXX. XXXX  confirmed my disconnection on XX/XX/XXXX, yet applied a final, non-prorated bill for the full cycle XXXX totaling {$180.00}. I was not informed of any remaining balance at cancellation, and I received no notice from XXXX or a debt collector before the account appeared as a collection roughly XXXX months later ( XXXX XXXX ). XXXX claims they provided billing notifications through XX/XX/XXXX, but I have no record of those emailsmy last message from XXXX was dated XX/XX/XXXX. 

XXXX has acknowledged in writing both the disconnection date and the post-cancellation billing, but refuses to escalate or recall the debt. They also state they can not locate records of my XX/XX/XXXX cancellation call, despite my attached chat transcript and call log. I also did not receive a validation notice from the collector prior to credit reporting. 

This has resulted in an inaccurate and misleading collection on my credit reports. Im requesting that XXXX recall the collection, delete the tradeline from all credit bureaus, XXXX out the post-cancellation balance, and provide written confirmation that my account is closed and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I signed up for, was approved and received a credit card from Barklays bank for a XXXX XXXX XXXX  where I met the threshold for receiving bonus points offer. I used my existing XXXX XXXX  miles account number upon signing up for the credit card but there is no airlines number associated with the credit card and the airlines number is not imprinted on the card as all other credit cards issued via hotel programs or airlines have. To date the credit card is not currently linked to the XXXX  XXXX account number. Barclays must coordinate with XXXX XXXX to link my existing XXXX XXXX account miles number to the Barclays XXXX XXXX XXXXXXXX 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 2025-11-11 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: PA

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to follow up regarding the matter of XXXX XXXX XXXX XXXX respectfully dispute the validity of the alleged debt. I believe i am a victim of identity theft and did not authorized or incur the charges in question.The Bank statement submitted by XXXX XXXX XXXX XXXX under my name includes an address that does not belong to me and has never been associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am submitting to formally dispute the accuracy of the following account, collection, and inquiry currently being reported on my credit file. These items contain reporting errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and must be removed from my report. 
XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * * Balance : {$9600.00} XXXX XXXX XXXX XXXX : XXXX XXXX CT GA XXXX Reference # : XXXX XXXX XXXXXX/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 2025-11-11 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: FL

Complaint narrative:
I am filing a complaint to submit my seventh formal request for the permanent removal of several charged-off accounts and inquiries that continue to appear on my credit report. Despite multiple prior disputes, these items have not been deleted, and their continued presence misrepresents my credit history, negatively affects my financial reputation, and violates my rights under federal law. I am therefore formally requesting that all listed accounts and inquiries be permanently deleted, as they can not be verified and remain inaccurate. 
The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  These accounts are being reported as charged off without proper documentation to substantiate the balances owed. In particular, there is no Form 1099-C or other verification for debts exceeding {$600.00}, which is required to accurately report such obligations. Under the Fair Credit Reporting Act 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to maintain maximum possible accuracy in all information reported on a consumers credit file. Reporting unverifiable accounts violates this requirement and constitutes an ongoing misrepresentation of my creditworthiness.

Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I am entitled to a thorough reinvestigation of any disputed account. Because these accounts can not be verified through proper documentation, they must be permanently removed. The continued reporting of these unverifiable accounts after multiple disputes represents a willful violation of federal law, which may expose the credit bureau to civil liability under 15 U.S.C. 1681n and 1681o. 
The following inquiries also appear on my credit report without proper authorization : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 619 [ 15 U.S.C. 1681q ], consumer reports may only be obtained for a permissible purpose, and the consumer must provide authorization for each request. Reporting inquiries without proper authorization violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which prohibit furnishing or obtaining a consumer report under false pretenses. Because these inquiries can not be verified as authorized, 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 2025-11-11 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: NY

Complaint narrative:
After reviewing my credit reports, I have identified XXXX closed accounts that contain inaccurate late payment information, which does not reflect my verified payment history. I am formally requesting an investigation of these accounts under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit information. 
XXXX XXXX XXXXXX/XX/XXXXBalance : {$2700.00} XXXX XX/XX/XXXX Balance : {$62000.00} Under FCRA XXXX ( a ), I am exercising my right to request an investigation of any information that I believe is incomplete or inaccurate. Additionally, FCRA XXXX ( b ) requires furnishers to ensure the maximum possible accuracy of all reported data, and FCRA XXXX ( a ) ( XXXX ) mandates that any identified inaccuracy be promptly corrected or updated.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was traveling when my card was stolen. I locked it online right away trying to find if I misplace it, which later cant find. Immediately report to Citi and received a new card. Citi said they closed down the lost one yet I still see transactions went through. So I dared not use my new one while I report the fraud charges on stolen card. Even though I got the new card, Citi still billed me fraudulent charges I never authorized on my card, despite I reported I lost the card and never made the 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Between XXXX XXXX XXXX, my Cash App account was used without my authorization to place multiple fraudulent XXXX  orders totaling over {$70.00}, delivered to an address in XXXX XXXX, Arkansas a city I have no connection to and have never lived in. The orders included : XXXX XXXX XXXX {$21.00} XXXX {$49.00} The XXXX  receipts confirm the address used : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX That same night, I received an alert that my XXXX account had been accessed from a new Android device at XXXXXXXX XXXX  EDT, shortly before the fraudulent orders were placed. 

I immediately contacted XXXX support and flagged the transactions as unauthorized. However, they denied assistance, stating that the activity came from my IP address and refusing to investigate further. I explained that my phone had likely been compromised or mirrored, but they would not release any identifying data about the device or location used to place the order, even though I asked for : Device model IP address Phone number used to log in I also contacted Cash App and filed a police report at the time of the incident, but neither Cash App nor the local police followed up meaningfully, and no refund or remedy has been offered to date. I now feel I have exhausted all internal channels with both companies. 

This complaint is being filed because I was a victim of fraud, both XXXX and Cash App failed to take reasonable steps to assist or refund me, and I am seeking any available resolution, including : A refund of the full amount taken Disclosure of device data used for the unauthorized login Help identifying the individual who used my account Assurance that my data and identity are now protected In addition to the Cash App and XXXX fraud, I also experienced unauthorized access to my school email account, which was previously used on the same XXXX I paid this company to repair. I have reason to believe that either the person or business I paid for XXXX data recovery or someone connected to that transaction may have accessed my XXXX ID, email, or other linked apps. This would explain how they placed orders from my IP address and Android device logs while I was unaware. 

The company later refused to identify who the phone was sent to, demanded {$50.00} in cash to avoid dispute issues, and has not refunded the {$350.00} despite confirming the phones CPU was irreparably damaged. I believe I was intentionally misled and exploited, and that my data may have been accessed or cloned during that repair.

Company response to consumer: Closed with explanation