vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> I submitted disputes for charges for a company that charged my cc despite having MULTIPLE and series service issues. We needed to rent an RV for a XXXX family member, which we didn't even know for sure we'd make it to see prior to his XXXX. The company, XXXX XXXX, takes full advantage of their customers and individual situations. You're virtually STUCK once you rent and leave with one of their RV 's, as no matter what happens, they offer ZERO help. We had a severe situation ( as have a plethora of other people complaining online, suing the company, etc ) where it not only cost us a great deal to deal with, but just added more to our already stressful and horribly sad situation. So after everything happened, we entered the dispute with my Discover card. Well first and foremost, trying to enter the dispute was not simple. I had to go through XXXX for assistance. Then, when I thought I had submitted documents etc, turned out apparently that they were never received by Discover, as they later claimed to my dismay and surprise that they had no documents from me, but miraculously they had them from the merchant. So after the dispute was denied, I contacted customer service, which you can only do through phone call or chat and you wait for EXTENDED time periods at that ... to find out what to do. That is when I was told they had no documents from me, which I told them I had submitted photos and video. She told me they had nothing from me and I'd need to resubmit. I asked how and she directed me as to how to do so, as again, their site is very difficult to navigate. I them began to try to upload my documents AGAIN, and despite it being days now since my chat with their customer service, I have yet to be able to upload anything as their site does not work to upload. I can't fax videos or pictures. I also went searching and apparently there are MANY complaints like mine about having issues with disputes with Discover. It's not bad enough we dealt with what we did with the whole RV rental situation, but now STILL dealing with it and included in that is my credit card issuer who seems to work for the merchant and not their customer. I'm so sorry I got this card! Horrible!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccurate, outdated, and unverifiable items that are causing ongoing harm to my creditworthiness and financial opportunities. My reports list several addresses that do not belong to me XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXdespite the FCRAs requirement for maximum accuracy. Additionally, there is an improperly reported charge-off from XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance, which is still harming my file. My credit reports also include multiple questionable collection accounts : XXXX  XXXXXXXX XXXX XXXX for {$470.00}, XXXX XXXX XXXX XXXX for {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$220.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}, some of which appear duplicated, outdated, or lacking a proper Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). Furthermore, I discovered unauthorized hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which were made without my consent and without a permissible purpose under FCRA 604 ( a ). Despite my previous attempts to dispute these issues, the credit bureaus either failed to correct the errors or continued to report them without verifying their accuracy, violating FCRA 611 and 607 ( b ). These inaccuracies collectively damage my credit standing and misrepresent my identity, payment history, and authorization rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Complaint Regarding Closed Citibank Account and Inaccessible Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citibank regarding my closed bank account and the inability to access the remaining funds that were in the account. 

Background : I opened a Citibank account in XX/XX/XXXX while studying in the United States. When I left the XXXX, the account still held approximately USD XXXX ( or more ). Due to the XXXX pandemic, I was unable to return to the United States for several years. 

In XXXX, the debit card associated with my account expired. Recently, I contacted Citibank to update my information and request access to my funds. However, I was told that : XXXX. The account has already been closed, XXXX. The representative could not do anything, XXXX. No email contact for further assistance could be provided, XXXX. And I was advised only to call againwhich is extremely difficult and costly because I currently reside in XXXX. 

At this point, I have no clear information about where my remaining balance has gone, and Citibank has not offered any alternative way for me to verify the status of my funds or retrieve them. 

Issues of Concern : Citibank closed my account without notifying me, despite having funds remaining in the account. 
I was denied any accessible method of communication, such as email, even though international customers may not be able to call easily. 
I have been given no instructions on how to reclaim my own funds. 
As a foreign resident outside the XXXX, I am left with no practical or fair way to resolve this issue directly with Citibank. 



I have made every reasonable attempt to resolve this with Citibank directly, but the lack of communication options has made it impossible. 

I appreciate your assistance and attention to this issue. Please let me know if you require any additional documents, identification, or information from me. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX Phone ( optional ) : 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is refusing to process my dispute and continues sending the same automated letter claiming my identity does not match, even though I already provided ALL required documents through the CFPB portal. CFPB still has the proof of the documents I submitted. I provided my Social Security card with full SSN, my Alabama driver license showing my correct address, and a recent gas bill showing the same address. Instead of investigating, Equifax continues to delay my dispute and refuses to verify my identity. This is a violation of FCRA 1681e ( b ) and 1681i. I am resubmitting everything here so there is a federal record that I complied with all requirements. I want Equifax to verify my identity properly and complete my dispute immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding numerous inaccuracies, outdated information, and unverifiable accounts appearing on my credit reports with Experian, Equifax, and TransUnion. Multiple addresses, including XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are inconsistently reported across the bureaus. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  show conflicting balances, dates of last activity, and date reported. Several inquiries and new accounts, including XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX, appear with inaccurate dates or without my authorization. These discrepancies violate multiple provisions of the FCRA, including Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus have failed to maintain accurate, complete, and verifiable information. I request that all inaccurate, inconsistent, or outdated information be immediately investigated, corrected, or deleted, including unverifiable accounts and unauthorized inquiries, and that I receive written confirmation of all actions taken to resolve these issues.

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 2025-12-01 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-01 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccurate, outdated, and unverifiable items that are causing ongoing harm to my creditworthiness and financial opportunities. My reports list several addresses that do not belong to me XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AR XXXXdespite the FCRAs requirement for maximum accuracy. Additionally, there is an improperly reported charge-off from XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance, which is still harming my file. My credit reports also include multiple questionable collection accounts : XXXX XXXX XXXX XXXX  for {$470.00}, XXXX XXXX XXXX XXXX for {$470.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$220.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}, some of which appear duplicated, outdated, or lacking a proper Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). Furthermore, I discovered unauthorized hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ), and XXXX XXXX XXXXXX/XX/year> ) which were made without my consent and without a permissible purpose under FCRA 604 ( a ). Despite my previous attempts to dispute these issues, the credit bureaus either failed to correct the errors or continued to report them without verifying their accuracy, violating FCRA 611 and 607 ( b ). These inaccuracies collectively damage my credit standing and misrepresent my identity, payment history, and authorization rights.

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 2025-12-01 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: AR

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccurate, outdated, and unverifiable items that are causing ongoing harm to my creditworthiness and financial opportunities. My reports list several addresses that do not belong to me XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AR XXXXdespite the FCRAs requirement for maximum accuracy. Additionally, there is an improperly reported charge-off from XXXX XXXX XXXX XXXX XXXX showing a {$0.00} balance, which is still harming my file. My credit reports also include multiple questionable collection accounts : XXXX XXXX XXXX XXXX  for {$470.00}, XXXX XXXX XXXX XXXX for {$470.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$220.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}, some of which appear duplicated, outdated, or lacking a proper Date of First Delinquency as required under FCRA 623 ( a ) ( 5 ). Furthermore, I discovered unauthorized hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ), and XXXX XXXX XXXXXX/XX/year> ) which were made without my consent and without a permissible purpose under FCRA 604 ( a ). Despite my previous attempts to dispute these issues, the credit bureaus either failed to correct the errors or continued to report them without verifying their accuracy, violating FCRA 611 and 607 ( b ). These inaccuracies collectively damage my credit standing and misrepresent my identity, payment history, and authorization rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Call multiple times a day harassing and threatening me to pay debt I don't even know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXXRE: Request to Locate My Credit File / Identity Verification\n\nTo Whom It May Concern:\n\nI received a notice stating that Equifax is unable to locate my credit file. I am requesting that you re-search for my file using the identifying information provided below.\n\nI am a U.S. resident and have an active Social Security number. I currently have credit accounts and should have a file in your system. Please verify my identity and locate my credit file so that I may receive my credit report and continue resolving issues related to identity theft and inaccurate reporting.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding multiple accounts that are inaccurately reported across my Experian, Equifax, and TransUnion credit reports, and I am requesting a fair resolution in accordance with the Fair Credit Reporting Act ( FCRA 611, 623, and 602 ). My XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$7400.00}, Opened XX/XX/XXXX ) is reported as XXXX days late on Experian ( last activity XX/XX/XXXX ), Equifax ( last activity XX/XX/XXXX ), and TransUnion ( last activity XX/XX/XXXX ), though the account was fully paid and brought into good standing. The XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX on Experian, XXXX XXXX XXXX XXXX XXXX  on Equifax and TransUnion, XXXX XX/XX/XXXX ) is reported as XXXX days late across bureaus, despite full payment according to the original agreement. The XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) is reported as XXXX days late on all XXXX bureaus ( last activity XXXX ), even though all obligations were met. The XXXX XXXX account XXXX Acct : XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) is reported as XXXX days late across bureaus ( last activity XXXX ), though it was paid and closed responsibly. XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$43.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ) appears on Experian only with a XXXX-day late, not reported on Equifax or TransUnion, XXXX being paid as agreed. Finally, the XXXX XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$550.00} ) is reported as a charge-off on Experian and Equifax but not on TransUnion, though the account was resolved. These reporting inconsistencies create an inaccurate portrayal of my credit history and do not reflect my responsible financial management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple accounts that are inaccurately reported across my Experian, Equifax, and TransUnion credit reports, and I am requesting a fair resolution in accordance with the Fair Credit Reporting Act ( FCRA 611, 623, and 602 ). My XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$7400.00}, Opened XX/XX/XXXX ) is reported as XXXX days late on Experian ( last activity XX/XX/XXXX ), Equifax ( last activity XX/XX/XXXX ), and TransUnion ( last activity XX/XX/XXXX ), though the account was fully paid and brought into good standing. The XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX on Experian, XXXX XXXX XXXX XXXX XXXX  on Equifax and TransUnion, XXXX XX/XX/XXXX ) is reported as XXXX days late across bureaus, despite full payment according to the original agreement. The XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) is reported as XXXX days late on all XXXX bureaus ( last activity XXXX ), even though all obligations were met. The XXXX XXXX account XXXX Acct : XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) is reported as XXXX days late across bureaus ( last activity XXXX ), though it was paid and closed responsibly. XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$43.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ) appears on Experian only with a XXXX-day late, not reported on Equifax or TransUnion, XXXX being paid as agreed. Finally, the XXXX XXXX XXXX XXXX account ( Acct : XXXX XXXX XXXX XXXX XXXX, Balance {$550.00} ) is reported as a charge-off on Experian and Equifax but not on TransUnion, though the account was resolved. These reporting inconsistencies create an inaccurate portrayal of my credit history and do not reflect my responsible financial management.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
I had a secured First Progress credit card with a {$200.00} deposit. I was never permitted to spend above this deposit. I later paid {$170.00} to close the account.

I never received my deposit back, yet the account is reporting a {$190.00} written off remark. This is inaccurate because a secured card can not be written off if the creditor did not incur a loss. My deposit and final payment fully satisfied the account.

This account is being inaccurately reported as potentially negative and shows incorrect derogatory information. I am requesting a full investigation under FCRA 623 ( a ) and immediate correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

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 XXXX 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