vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
On Thursday, XX/XX/XXXX, I called Citi to report suspicious activity involving unauthorized online debit card purchases and requested that the fraudulent amounts be reversed. Immediately after this call, Citi suspended my online account access. 

Since that date, the system has only shown the message temporarily unavailable, please try again later, preventing me from accessing my account and funds. 

I then called Citi multiple times : I spent 1 hour and 44 minutes on the phone on XX/XX/XXXX ( there is a 44 seconds call from Citi conferming my number ) and another hour on XX/XX/XXXX, but received no reasonable solution. A representative told me that nothing could be done because the bank allegedly mailed a letter to my U.S. residence, and without this letter I can not access my own account. 

During this process, Citi also canceled a scheduled wire transfer without my consent, causing disruption to my business operations. 

Today, when I tried calling again, the agent told me they could not provide any information about my account over the phone and practically hung up on me. I felt completely disrespected by this treatment. 

Why this is unacceptable : I have been a Citi business client for many years. 
I am currently outside the XXXX and have no access to this letter. 
The banks position effectively blocks me from accessing my own funds, without offering any reasonable alternative. 
Customer service representatives were unable to communicate effectively in English and provided no meaningful solution.

Todays call made the situation worse, as I was refused information and treated in a disrespectful manner. 

Requested resolution : Immediate restoration of online account access.

Reinstatement or expedited processing of the canceled wire transfer. 
Written confirmation that my access to funds will not be arbitrarily restricted in the future. 
Consideration of compensation for the time, costs, and disruption caused by this failure in service, including the disrespectful treatment I received.

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 2025-09-29 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: NJ

Complaint narrative:
I discovered these inaccurate late payment remarks on my credit report. I noticed discrepancies that hadnt been there before. I am requesting a thorough verification of the documents I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: BTH Management
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
My file keeps showing over time FCRA violations Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX is a victim of XXXX  and XXXX  XXXX breaches and having issues with an unauthorized revolving account. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX : XXXX XXXX : Opened XX/XX/year> : Balance {$3400.00} I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified, inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes.

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 2025-09-29 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: TX

Complaint narrative:
The fraudulent accounts currently listed on my credit report are false, unauthorized, and damaging to my creditworthiness. At no point did I authorize or establish these accounts, and their presence represents a fundamental violation of the obligation to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-30 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: AZ

Complaint narrative:
Experian does not update my XXXX balances information immediately. Nor does it reflect my current payment history. In addition, they do not remove negative information immediately. This information lowers my credit score and harms my ability to support my family.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

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 2025-09-29 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: GA

Complaint narrative:
I discovered these inaccurate late payment remarks on my credit report. I noticed discrepancies that hadnt been there before. I am requesting a thorough verification of the documents I have provided.

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 2025-09-29 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed a vacation package contract that was not supposed to be a timeshare. The credit card receipts clearly said XXXX XXXX. I immediately rescinded the contract in writing and demanded the {$52000.00} of fradulant credit card fees. 

XXXX XXXX returned their {$30000.00} and Chase XXXX refuses to return their {$22000.00} and has irrevocably closed the case in favor of the fraudulent merchant who has done this to hundreds of Americans and I sent proof of that to Chase to support my case, I also provided proof that XXXX XXXX found in my favor and returned $ XXXX Why is Chase Bank not protecting me, a XXXX XXXX XXXX XXXX customer of 7 years? I have provided hundreds of documents to support my case and they have refused to help me. It has caused insurmountable health issues over the last four months and Chase wont help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: OR

Complaint narrative:
Complaint Narrative Credit Control LLC On XX/XX/, I received a collection letter from Credit Control , LLC attempting to collect {$610.00} on an alleged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account. 
This debt is not mine and is the result of identity theft. 

I have already filed an FTC Identity Theft Report and a XXXX Police Department report ( Case # XXXX, XX/XX/2025 ). 
All three credit bureaus have deleted every fraudulent tradeline tied to my identity. 
Despite this, Credit Control LLC is attempting to collect on a fraudulent debta clear and willful violation of federal law. 

Violations of Federal Law FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires permanent blocking of any information resulting from identity theft and prohibits re-furnishing such information.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Prohibits a furnisher from re-reporting or selling a debt after receiving an identity theft report.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Requires reasonable reinvestigation and permanent correction of disputed information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Requires all collection activity to cease until the debt is fully validated once disputed.

FDCPA 807 & 808 ( 15 U.S.C. 1692e & 1692f ) Prohibits false or misleading representations and any unfair or unconscionable collection practices.

FCRA 615 ( f ) ( 1 ) ( 15 U.S.C. 1681m ( f ) ( 1 ) ) Prohibits the sale or transfer for collection of a debt that a consumer has identified as resulting from identity theft. 

Harm Credit Controls actions have forced me into a cycle of repeatedly disputing the same fraudulent debts with multiple agencies, creating financial loss, wasted time, and emotional distress.

Their letter threatens new damage to my credit and attempts to collect on an account already proven to be the product 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 2025-09-29 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/, my Wells Fargo checking and savings accounts were fraudulently compromised. Multiple transactions in both accounts occurred. I reported the fraud immediately. 
The fraudulent checking account transactions were confirmed, resolved and refunded by Wells Fargo but not the transactions in the savings account. 
Two fraudulent international wire transfers of {$5000.00} totaling {$10000.00} were initiated in my saving account. Wells Fargo successfully cancelled one transfer of {$5000.00} and refunded it.

But Wells Fargo denied reimbursement of the second {$5000.00} wire transfer. I requested the case be reopened and further investigated but were told no additional actions would be taken-claiming compliance with " governing security procedures '' and the case remains closed. 
This denial is contradictory and legally inconsistent because the XXXX {$5000.00} transactions arose from the same fraudulent event. 

Trouble with Wells Fargo 's Investigation of Fraud Event : Contradiction in Findings- By refunding the checking account transactions and the first {$5000.00} in the savings account Wells Fargo has already acknowledged fraud. It can not simultaneously claim proper authorization for the remaining {$5000.00}. 
Failure of Good Faith ( UCC 1-201 ( b ) ( 20 ) ) - Refunds were issued only when Wells Fargo could recover funds easily ( ACH reversal and one cancelled wire ). Denial was issued only when Wells Fargo would have to bear the loss. This is not consistent with honesty or fair commercial dealing.

Failure to Demonstrate Commercially Reasonable Security Procedure ( UCC 4A-202 ( b ) ) - Wells Fargo has not provided any evidence of what security procedures were applied. A conclusory statement that transactions " complied with Security procedures '' does not satisfy its legal burden.

Industry Standards- Same day multiple wires from a savings account should have triggered fraud alerts or out-of band verification. Wells Fargo failed to apply such controls consistently.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
you scammers are sending me mail for debt i do not owe. cease and desist your letters and stop sending me false information. i never had any account at XXXX XXXX cancel this debt and stop sending me letters before i cancel my entire payment plan because you are scammers. i am not paying toward no XXXX XXXX give me my money back.

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 2025-09-29 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: OR

Complaint narrative:
* '' I found several hard inquiries on my credit report that I did not authorize. These inquiries are from the following companies : XXXX. XXXX XXXX XXXX ( Auto ) on XX/XX/year> XXXX. XXXX XXXX ( XXXX ) on XX/XX/year> XXXX. XXXX XXXX ( XXXX ) on XX/XX/year>XXXX XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never applied for credit with these companies, nor did I give permission for these inquiries. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and I am attaching that report as supporting evidence. I am requesting that these unauthorized hard inquiries be removed from my credit report and that the companies provide proof of authorization if they claim the inquiries are valid.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
4 Unauthorized charges from my lost debit card on XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX for the amounts of {$1000.00}, {$1000.00}, {$90.00} and {$20.00} respectively. I got a voicemail call from my bank ( Upgrade ) that there is potential fraud. After I called the number back to state it was not me and I lost my wallet, they transferred me and started a dispute ( only on the original 2 because the unauthorized charges on XX/XX/XXXX was still pending ). They sent me a letter that I received on XX/XX/XXXX that they denied my claim and I can call to request documentation. I called to file an appeal and to request documentation. I never got anything back. I called today and they said they sent documentation but I told them I did not receive anything but the initial letter. They told me on the phone it was denied because there was charges around the time of the unauthorized charges. I told them I lost my wallet but I have online payment stored ( XXXX XXXX and XXXX ) but they insist it was me because of these saved online retailers or XXXX XXXX. Till this day they can not prove how it was me, but it had to have been because I made online purchases around the same time as my wallet was stolen. I even filed a police report. They are delaying crediting me my unauthorized charges and not providing any provisional credit after it being over 20 days and violating Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with non-monetary relief