vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In my XX/XX/XXXX statement, my citi credit card account showed a negative balance of - {$95.00} due to a refund. The following month, the negative balance was removed, and my XX/XX/XXXX statement ( no XXXX statement was issued due to inactivity ) showed a {$0.00} starting balance, while I never received this refund via check, direct deposit, or any other method. 

I contacted Citibank XXXX over phone regarding this matter. On both occasions, their representatives confirmed that I was owed a refund and promised to issue a check to my address on file within 14 days. As of XX/XX/XXXX, I have not received the refund.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This is not my debt! I recently checked my credit report and saw this. This must be deleted immediately!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ). XXXX XXXX XXXX ( opened XX/XX/XXXX ) and XXXX XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within XXXX business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ). XXXX XXXX XXXX ( opened XX/XX/XXXX ) and XXXX XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within XXXX business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

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 2025-08-09 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-09 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-09 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: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
On XX/XX/year>2025, I mailed a formal dispute to TransUnion regarding the accuracy of the [ name of creditor/account, e.g., XXXX XXXX XXXX XXXX account reporting on my credit file. I specifically requested verification of the account, including the original signed contract, a complete payment history from inception, and all documents used to verify the accuracy of the account, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

TransUnion failed to provide me with the requested documentation. Instead, they sent a generic form letter stating the account was verified without producing any evidence from the furnisher to substantiate the reporting. This is a violation of my rights under FCRA 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide me with all relevant information obtained from the furnisher.

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 2025-08-09 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: PA

Complaint narrative:
On XX/XX/year>2025, I mailed a formal dispute to TransUnion regarding the accuracy of the [ name of creditor/account, e.g., XXXX XXXX XXXX XXXX account reporting on my credit file. I specifically requested verification of the account, including the original signed contract, a complete payment history from inception, and all documents used to verify the accuracy of the account, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

TransUnion failed to provide me with the requested documentation. Instead, they sent a generic form letter stating the account was verified without producing any evidence from the furnisher to substantiate the reporting. This is a violation of my rights under FCRA 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide me with all relevant information obtained from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: SC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
Hi, I had a robinhood account with you guys many years ago that got hacked as well as my bank account on the account, i told you guys about this and the account got restricted. I then found out you guys reported crypto income of XXXX to the irs for me, which i've never even used robinhood, i just opened the account and from another time i've talked to you guys about this tax issue, i remember being told it has been rectified since you acknowledged the fraudulent activity that went on in my account. I'm getting ready to file my taxes and i just want to confirm that this issue has been rectified and that you guys removed your report for the income that was reported to the irs. Thank You. I'm not sure what you can use to find my information cause it was a long time ago. Please reach be my email as my number doesn't work. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX/XXXX  I made a purchase on a web site called XXXX XXXX XXXXXXXX for {$74.00} and paid with PayPal. I immediately know something was wrong not having received an invoice or purchase order. I contacted PayPal and the payment was sent to XXXX. I tried to contact the seller but never received a reply. I filled a fraud complaint with PayPal that was denied after only a few hours. I again contacted PayPal and refiled my complaint. On or about XX/XX/XXXXXXXX  I contacted PayPal again and was told I had to change my complaint to not receiving my goods. That took 2 more phone contacts. On or about XX/XX/XXXX I contacted PayPal again to inquire about why my complaint had not been resolved. She stated that the seller has never responded and that PayPal will settle in my favor. Today is XX/XX/XXXX and PayPal has not honored their guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX - XXXX was sent to my account and they took the money without my consent. They stated that there was a change in the agreement without telling me or sending me information that this account management changed. They stated this change took effect on XX/XX/XXXX but I have not had any issues until XXXX. Money has been transferred to the account multiple times since XX/XX/XXXX but they decided to take the amount without my consent or knowledge on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XX/XX/XXXX, I enrolled in a health insurance policy with XXXX. On XX/XX/XXXX, charges of {$370.00} began posting monthly to my Capital One credit card ending in XXXX. Despite paying, I never received my insurance cards or a copy of my policy. 

On XX/XX/XXXX, I cancelled my policy and obtained written confirmation of cancellation. However, from XXXX through XX/XX/XXXX, XXXX continued to charge my Capital One card {$370.00} each month ( totaling {$1500.00} ) without my consent. 

I disputed these charges with Capital One and provided the cancellation confirmation and my statements as proof. In XX/XX/XXXX, a Capital One dispute supervisor stated the charges were not fraudulent because I had initially signed up for the policydisregarding that these charges occurred after my cancellation.

Company Response Capital One failed to reverse these charges or remove related fees. They did not conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ) and have allowed a merchant to continue unlawful billing practices.

Laws or regulations you believe were violated : Fair Credit Billing Act ( 15 U.S.C. 1666 ) billing errors and unauthorized transactions Unfair and deceptive practices What resolution are you seeking? 

Refund of all unauthorized charges ( {$1500.00} ) for XXXX XXXX. 

Removal of any interest or late fees related to these charges. 

Written confirmation of resolution in compliance with the FCBA.

Review and correction of Capital Ones dispute-handling procedures to ensure lawful investigations. 

Supporting documentation you will upload : Policy cancellation confirmation ( dated XX/XX/XXXX ) XXXX XXXX credit card statements showing the {$370.00} charges Copies of dispute correspondence with Capital One

Company response to consumer: Closed with explanation