vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello.Citibank closed my checking and saving account on Monday ( XX/XX/year> ) and is withholding my funds for 60 days before sending a refund check by mail. I urgently need access to my own money and asked the bank for an expedited method ( such as wire transfer or cashiers check ). Citibank refused and did not provide a valid reason for holding my funds for this long. 

This delay is causing financial hardship, and I can not pay essential bills because Citibank is keeping my funds inaccessible. 

I am requesting that CFPB contact Citibank and assist in resolving this matter quickly and releasing my funds without the unnecessary 60-day delay.

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 2025-11-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and discovered several fraudulent personal loan accounts and credit inquiries that I did not authorize. The earliest fraudulent activity appears to have begun in XX/XX/XXXX with a XXXX XXXX account totaling {$3900.00}, followed by a XXXX  XXXX loan from XX/XX/XXXX totaling {$280.00}, an XXXX XXXX XXXX XXXX  from XX/XX/XXXX totaling {$23.00}, and an XXXX XXXX XXXX account from XX/XX/XXXX totaling {$320.00}. I also noticed unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. After identifying these accounts, I confirmed that I did not open or request any of them and immediately began securing my information and reporting the fraud. I am submitting this statement so the involved companies can investigate and remove these fraudulent accounts and inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
My Consumer report comprises of some account that does not belong to me and some collection that I do not authorize, nor do I have anything to do with, reporting inaccuracy violates consumer right and laws please remove the following data in question. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
my Cash App account was recently suspended and during the suspension i received a refund from XXXX for {$63.00}, however the money wasnt returned to my account due to it being suspended I reached out to Cash App support multiple times to find ways to resolve the problem and they have not been helpful in trying to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN XXXX XXXX CFPB Complaint XXXX XXXX Formal complaint regarding unverifiable debt, missing chain of title, inconsistent data, and failure to validate CFPB Complaint XXXX XXXX XXXX XXXXXXXX for duplicate medical collections, HIPAA violations, and non-response to validation CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX someone paid themselves {$300.00} from my XXXX account that was not authorized by my me. I disputed with my capital one bank and they did not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
After checking my credit report i noticed accounts that are reporting inaccurate information on my behalf.

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 2025-11-27 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: LA

Complaint narrative:
After checking my credit report i noticed accounts that are reporting inaccurate information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After checking my credit report i noticed accounts that are reporting inaccurate information on my behalf.

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 2025-11-27 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I notified Prosper months before my XX/XX/year> active-duty start date and requested XXXX protections XXXX Despite this, they reported late payments and sent my account to collections before my service began.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Formal Dispute and Demand for Permanent Deletion of an Inaccurate XXXX Collection Account FCRA 609 / 611 / 623 ( a ) To Whom It May Concern, I am formally disputing a collection account related to XXXX, XXXX, which appears on my credit report. The information furnished is inaccurate, unverified, incomplete, and legally noncompliant, and therefore must be removed under the Fair Credit Reporting Act ( FCRA ). 

This account is being pursued by multiple debt collectors, including : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX Alleged Balance : {$3800.00} XXXX, XXXX XXXX XXXX ( XXXX ) Reference : XXXX Alleged Balance : {$3800.00} Both collectors are reporting the same alleged XXXX debt, with inconsistencies in information, dates, and balances. This creates multiple violations of FCRA and FDCPA. 
XXXX. The alleged XXXX debt has NOT been validated. 

Under FDCPA 15 U.S.C. 1692g ( b ), collectors must provide : A signed contract bearing my signature Full itemization Proof of ownership/assignment A complete accounting of charges Neither collector has provided legally required validation.

2. The information furnished is inaccurate and unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information that : Is inaccurate Can not be verified Contains inconsistencies Both notices include different reference numbers, dates, and instructions a red flag of inaccurate data.

3. Duplicate collections violate FCRA and cause consumer harm.

Reporting the same debt multiple times inflates the negative impact and violates FCRA 607 ( b ) ( maximum possible accuracy ).

4. XXXX and its collectors have not certified accuracy.

Under FCRA 623 ( a ), furnishers must confirm accuracy before reporting.

REQUEST FOR PERMANENT DELETION Under FCRA 611, I demand : Immediate reinvestigation Permanent deletion of the XXXX collection account Removal of all duplicate entries Written confirmation of deletion Copies of all documentation used in your investigation If XXXX or its collectors can not validate the debt, the account must be removed. 

If continued reporting occurs without validation, I will file further complaints with : CFPB FTC New York Attorney General Thank you for your prompt attention. 

Sincerely, XXXX 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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: RI

Complaint narrative:
My father gave me a XXXX Western Union money order for {$1000.00} that was labeled as Western Union money order number XXXX that I deposited at a XXXX XXXX XXXXXXXX ATM and appeared on my XXXX statement as being deposited and clearing the bank on XX/XX/year> along with XXXX other similar $ XXXX checks ( the other XXXX deposited without issue ), however on XX/XX/year> {$1000.00} was removed from my XXXX account with the description that " Return Item Chargeback ''. After contacting XXXX about the $ XXXX of deposited funds removed from my account, they communicated that the check was rejected by the check maker and I was told to contact the check maker to learn more about the rejected check. After contacting Western Union ( check maker ) XXXX times to check the status of the money order, each and every time they stated all they could do was " escalate my case '' and I would get a call back from them in a few days. Not once did I receive a call back from Western Union, and instead all I received was an e-mail with photocopy of the check that I had deposited with XXXX and the following information that they told me the check had been cashed : Clearing Date - XX/XX/year> ; Check # - XXXX ; Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing # XXXX. I received a copy of the check in the mail from XXXX that stated the check I received back was a fully legal copy of the check and could be used as the original, so I tried depositing with XXXX again and the check was rejected yet again. I tried going to the original XXXX with my father who had the money order check made and asked them to investigate and they said they couldn't assist and told us to go to a Stop and Shop with Western Union to assist. I went there and they told me they could in no way assist, but called Western Union and again Western Union communicated that the money order check had been cashed. At the end of the day, my dad gave cash to XXXXWestern Union to create a money order check that was put in my name. My dad gave me that money order check and I tried to deposit it, but I never received the money, and now the bank is telling me there are no funds available from the Western Union check to be drawn on, but Western Union is telling me the check was deposited/cashed. Neither of the banks will talk to one another and Western Union has been of no assistance at all. I'd like to file some sort of claim against Western Union until they provide full evidence of where the funds for the check were deposited and for them to contact the receiving bank to confirm receipt of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I had applied for a loan online, and I was getting several calls and text messages offering a loan at very high interest rates. Then I saw a text that said XXXX, and since I knew the company name, I felt safe responding. They offered low payments and low interest rates. The person on the phone had me convinced that everything was normal. What they had me do was to get the money out of my account and send it back in order to make sure the deposit went through correctly. It didn't make any sense, but I was desperate for a loan. I was short on money and couldn't pay my car payment. I had several unexpected things I had to pay for, like a new battery for my car, an updated tag for my car, and other things I can't think of at the moment. Now the bank says I'm responsible for the $ XXXX I have all the documents used for this scam, if needed.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not authorized XXXX  XXXX to submit an inquiry. I am a victim of identity theft.

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos failure to take appropriate action on XXXX fraudulent wire transfers totaling {$100000.00} that were sent from my accounts at other banks into Wells Fargo accounts controlled by scammers. These transactions were part of a sophisticated fraud scheme, and I notified Wells Fargo that the recipient accounts under their control were receiving stolen funds. Wells Fargo did not take timely or effective action to freeze or return the funds. 

The XXXX fraudulent wires are : XX/XX/year> {$50000.00} Sending bank : XXXXXXXX XXXX  XXXX XXXX ( my checking ending XXXX ) Receiving bank : Wells Fargo, XXXX XXXX Recipient : XXXX XXXX XXXX 

Recipient account : D XXXX Recipient address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/year> {$10000.00} Sending bank : XXXX XXXX ( my checking ending XXXX ) Receiving bank : Wells Fargo, XXXX XXXX Recipient : XXXX XXXX Recipient account : XXXX Recipient address : P.O. XXXX XXXX, XXXX, OR XXXX XX/XX/year> {$40000.00} Sending bank : XXXX XXXX XXXX XXXX checking ending XXXX ) Receiving bank : Wells Fargo XXXX XXXX XXXX XXXX : XXXX XXXX XXXX account : XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX All three transactions were unauthorized and induced by fraud. As soon as I realized I was the victim of a large scam, I immediately contacted all banks involved, including Wells Fargo, to report that these Wells Fargo accounts were receiving fraudulent funds. 

Despite this, Wells Fargo : Did not freeze the recipient accounts promptly. 

Did not return or recover the stolen funds. 

Provided no clear explanation of what actions were taken. 

Closed its investigation without giving me any meaningful details or evidence of a reasonable review. 

These failures allowed the scammers to keep the funds, causing me severe and irreparable financial loss.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These items were not authorized by me. I am a victim of identity theft. I am requesting documents with my wet signature.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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