vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX. As a result, I have become a victim of identity theft. After reviewing my credit reports, I discovered several unauthorized and fraudulent accounts that I did not open or authorize. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I do not recognize any of these companies or accounts, nor did I receive any goods or services from them. These accounts were fraudulently opened by someone else using my stolen identity. 

Actions Taken : I am formally disputing these accounts and requesting their immediate investigation and removal from my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of inaccurate and fraudulent information.

Applicable FCRA Laws Supporting My Dispute : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate the dispute within 30 days and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable.

FCRA 605B ( 15 U.S. Code 1681c-2 ) Block of information resulting from identity theft Upon providing proof of identity theft ( e.g., a police report or FTC Identity Theft Affidavit ), the consumer reporting agency must block the fraudulent information from appearing on the credit report within XXXX business days. 

FCRA 602 ( A ) Right to fair and accurate credit reporting The FCRA emphasizes that consumer reporting agencies must maintain accurate and fair credit files. Reporting fraudulent accounts caused by identity theft violates this standard.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Responsibilities of furnishers of information The companies that supplied this false information to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) have a legal duty to investigate the accuracy of the data and must correct or delete it if it is found to be inaccurate or the result 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 explanation
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
This letter serves as formal notice that Experian, Equifax and TransUnion are in violation of federal law, specifically 15 U.S.C. 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have never provided Experian, Equifax and TransUnion with written consent to report any information on my consumer file. No consent constitutes identity theft. 
I have attached an Identity Theft Report documenting that the following accounts have been illegally furnished on my consumer report : XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$8100.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$3900.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$7300.00} XXXX # XXXX ; Date Opened : XX/XX/XXXX ; Balance : {$6500.00} Experian, Equifax and TransUnions failure to remove these unauthorized accounts is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802. Specifically : 1. Experian, Equifax and TransUnion have unlawfully disclosed my nonpublic personal information to third parties without my explicit consent in violation of 15 U.S.C. 6802 ( a ) & ( b ). Equifax never provided me with a clear and conspicuous opt-out notice before sharing my personal data.

2. Experian, Equifax and TransUnion have conducted a fraudulent investigation, failing to properly verify the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian, Equifax and TransUnion are required to conduct a reasonable reinvestigation, yet no direct interview or proper verification process was conducted with methe only authorized source of validation.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ), which states that the banking system relies on fair and accurate consumer reports, Experian, Equifax and TransUnions actions have severely undermined my confidence in the financial system. If Experian, Equifax and TransUnion wish to continue doing business with me, it must immediately correct these violations by removing all unauthorized accounts and information from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B, and the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692 et seq., I am exercising my federal rights to have these unauthorized or inaccurate accounts permanently removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
We ordered a plane ticket off of what we thought was XXXX XXXX XX/XX/year> for an unaccompanied minor. The ticket itself was {$400.00} and the unaccompanied minor fee was an extra {$100.00} totaling {$500.00}. The fly date was set for XX/XX/year>. We thought we were ordering off of the actual airline, but we found out that it was just an individual spoofing the company. So XX/XX/XXXX comes around and he's trying to board the plane and the airlines can't find the ticket. They can't even find where one was ever even in their system. Well the spoofed company sent an email with the details and a phone number so we called it and they told us that they canceled it do to the minor being unaccompanied, but it didn't make sense because they knew that and charged and extra {$100.00} for the unaccompanied minor service. They even had his birthday .. they claim they canceled it the day we did it for that reason. We didn't get a email with the cancellation or anything. They promised that they refunded it to my Chime bank account and that Chime has to release the funds. So we called Chime and the representatives said that no refund has been initiated. We asked for someone higher up and the lady representative did a XXXX call with me and the scammer and they wouldn't tell her when they initiated it. She told them that it was a recorded line and they hung up on her. She said it herself that it was a scam. She filled out the paperwork and in 10 days we received a temporary credit for {$500.00} until they investigated the disbute. Well they did their " investigation, '' and retracted that {$500.00} putting my accounXXXX XXXX XXXX  in the negatives because they said that " no error occurred. '' We called back and they said it was filed wrong so they reopened the disbute again because we paid for a product and didn't get it and they denied the disbute again for no error occurring... We have sent all of the emails, texts, and even a picture of the employees at the airlines trying to figure it out and they even have a recorded phone call, but since we can't " prove a promised refund, '' from a scammer, they won't accept our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XXXX I have disputed inaccurate information on my credit report with Experian and Transunion. I have also called and report that in 2011 I was a victim of identity theft and there were accounts on my credit file that I did not recognize. I requested documentation to verify the accounts and for them to be reinvestigated. Some accounts were deleted, and others were not. The verification documents that I requested were not provided, and the investigation also took more than 30 days with Experian ( CFPB complaint # XXXX ) and Transunion ( CFPB complaint # XXXX ). 

I have been a victim of several Data breaches and according to FCRA 605B, you are legally obligated to : Block any information that resulted from identity theft within four business days of receiving my request and required documentation Notify the furnisher of the disputed information that it may be the result of identity theft Ensure this information is not reinserted without proper certification and notice.

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 2025-07-27 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: NJ

Complaint narrative:
I APPLIED TO GET A APARTMENT AND I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME FRADULENTLY

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am requesting that Citibank remove negative payment information from my credit report that occurred during a period of severe medical hardship. In [ Month, Year ], I was diagnosed with XXXX and underwent intensive treatment that left me temporarily unable to manage my finances. This resulted in several late payments on my Citibank credit card account [ XXXX ], which were reported to the credit bureaus. 

These delinquencies do not reflect my long-term payment behavior. Prior to this event, I maintained a strong history of on-time payments with Citibank and have since paid the account in full ( or resumed consistent payments ). 

I contacted Citibank via written request to ask for a one-time goodwill removal, citing my medical emergency and including documentation. I believe Citibank has the discretion to update or remove this derogatory information under the FCRAs permissible framework for compassionate or discretionary relief. 

Citibank denied my request ( or failed to respond ). I am requesting that the CFPB intervene and ask Citibank to reconsider this adjustment based on the extraordinary and medically documented nature of the hardship. I am not contesting that the late payments occurredI am asking for a discretionary act of goodwill given the verified life-threatening circumstances.

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 2025-07-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was checking my credit report and I came across a few hard inquiry that are jeopardizing the status of my credit I seen about XXXX hard inquiries that I don't recall and I wanted to report and see if you guys could look into it and investigate

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 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX Limited on XX/XX/XXXX from XXXX XXXX XXXX in Pennsylvania and financed it through XXXX XXXX XXXX. I was charged a high interest rate of 20 % APR. However, I was never provided with a copy of the Retail Installment Contract, and the federally required Truth in Lending Act ( TILA ) disclosures were never shown or given to me. I only received the Bill of Sale, which does not contain any finance charge, XXXX, or payment schedule. This violates federal TILA law ( 15 USC 1638 and Regulation Z ). I believe this is predatory lending and a direct federal violation. I request that the CFPB investigate this matter and assist in obtaining a refund or other remedies under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: PA

Complaint narrative:
XX/XX/XXXX, I was accepted into the XXXX XXXX XXXX program in XXXX  at XXXX XXXX, with the first term commencing on XX/XX/XXXX. My initial student loan repayment was due on XX/XX/XXXX. Currently, I am two payments behind on my student loans with MOHELA. I have submitted my enrollment information ; however, my account has not yet been placed in deferment due to my ongoing studies. Despite my attempts to reach out via messages and phone calls, I have not received any responses, and the wait times to speak with a representative are excessively long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This complaint is separate from my earlier goodwill-based request to Ally Financial. I am now reporting Ally for willful and negligent misreporting of XXXX closed auto loans across XXXX XXXX XXXX XXXX  a violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( c ), XXXX, XXXX, and XXXX. 

The accounts are : Loan # XXXX ( Opened XX/XX/XXXX ) : XXXX XXXX Individual Loan # XXXX ( Opened XX/XX/XXXX ) : XXXX XXXX XXXX with XXXX XXXX Loan # XXXX shows conflicting Date of First Delinquency ( DOFD ) across bureaus : Equifax : XX/XX/XXXX TransUnion : Implies XX/XX/XXXX Experian : No clear DOFD Loan # XXXX is missing a DOFD entirely on Equifax, despite a late payment history. Experian and TransUnion also show ambiguous or inconsistent DOFD data. 

Ally 's XX/XX/XXXX response to my prior CFPB complaint ignored this issue, failed to correct the XXXX, and certified the inaccurate reporting as accurate in prior bureau disputes. I also spoke with a representative named XXXX, who promised swift correction more than XXXX weeks ago. No changes have occurred. 

These failures violate FCRA and create the risk of illegal re-aging, causing prolonged damage to my credit profile beyond what is legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
Credit reporting involves incorrect information and fraudulent entries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
Credit reporting involves incorrect information and fraudulent entries

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: IN

Complaint narrative:
i had an old account that i lost access to o er a year ago they wont close it unless i can verfy the card number but i have no way of doing that when i lost the card and account i asked using my driver lic or ssi card or birth cerftice which they wouldnt accept old account cashtag XXXX needs to be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX. As a result, I have become a victim of identity theft. After reviewing my credit reports, I discovered several unauthorized and fraudulent accounts that I did not open or authorize. These include : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX I do not recognize any of these companies or accounts, nor did I receive any goods or services from them. These accounts were fraudulently opened by someone else using my stolen identity. 

Actions Taken : I am formally disputing these accounts and requesting their immediate investigation and removal from my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of inaccurate and fraudulent information. 

Applicable FCRA Laws Supporting My Dispute : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate the dispute within 30 days and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable.

FCRA 605B ( 15 U.S. Code 1681c-2 ) Block of information resulting from identity theft Upon providing proof of identity theft ( e.g., a police report or FTC Identity Theft Affidavit ), the consumer reporting agency must block the fraudulent information from appearing on the credit report within four business days.

FCRA 602 ( A ) Right to fair and accurate credit reporting The FCRA emphasizes that consumer reporting agencies must maintain accurate and fair credit files. Reporting fraudulent accounts caused by identity theft violates this standard.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Responsibilities of furnishers of information The companies that supplied this false information to the credit bureaus have a legal duty to investigate the accuracy of the data and must correct or delete it if it is found to be inaccurate or the result of identity theft.

What I Request : A full investigation into the accounts listed above.

Removal ( deletion ) of all fraudulent account entries from my credit report.

Written confirmation that the accounts have been deleted due to confirmed identity theft.

The blocking of any re-reporting of these accounts under other names or by affiliated agencies.

I will be submitting this complaint to all three credit bureaus and may escalate it to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if these entries are not removed in a timely and compliant manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a Netspend Debit Account ( using the link https : //www.netspend.com/signup/offer-200 ), with a limited time offer to get a {$200.00} bonus. The verification requirement I completed on XX/XX/XXXX. I completed the {$400.00} direct deposit requirement on XX/XX/XXXX with a {$400.00} direct deposit. The third requirement, activating the debit card happened on XX/XX/XXXX. 

The terms state that upon successful completion of the terms my bonus would be paid out within 5 business days ( by XX/XX/XXXX ). I reached out to Netspend on XX/XX/XXXX, but was told that this offer would've been targeted ( which the terms do not mention ). As such, I am being denied my bonus despite meeting all the listed criterias.

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 2025-07-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I lost approximately XXXX ( {$1000.00} worth ) Citi XXXX points without receiving any prior notification of their expiration. I opened a case with Citi ( Reference # XXXX ) to dispute the forfeiture, but after several weeks, they informed me the points could not be reinstated. 

When I asked why I was never informed about the expiring points or provided any kind of warning, the customer service representative was unable to give any clear explanation or reference any communication no email, secure message, or card statement ever notified me of an impending expiration. This lack of communication left me with no reasonable way to prevent the loss. 

Furthermore, Citi redesigned its website within the past year, and the expiration tracker or countdown for XXXX points was removed or made inaccessible. During the relevant period, I regularly checked my account, but there was no visible information indicating the points were expiring soon. 

After the points were removed, I also discovered that no transaction showing the expiration was recorded in my online account history. It appeared as if the points had never existed. This lack of transparency made it impossible to track or understand what happened, and prevented me from disputing the loss in a timely and informed way. 

I believe XXXX handling of this issue including failing to notify customers, removing visibility into point expiration, and not providing an XXXX XXXX is unfair and deceptive, and represents a significant failure in consumer transparency. I am requesting a review and resolution of 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