vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm been a Citibank XXXX XXXX client since XXXX and I saw for the XXXX time an Advances * transaction Fee on my credit card statement charged on XX/XX/XXXX in the amount of {$20.00}. The total balance due on that statement was {$24.00}. I called and questioned the transaction fee on XXXX and customer service indicated it was due to XXXX transactions paid via XXXX to XXXX vendor linked to the account was considered a cash advance. I've made many purchases with same vendor through Citi 's credit card and was NEVER charged transaction fees. Client service said this was applicable or purchases done before a certain date. I believe this has to do with a promotional interest rate offer that popped up on the Citi app. I confirm I accepted the offer but was not aware transaction fees of {$20.00} would be applied to those two charges that totaled {$32.00}. 

2 transactions in question : Charge {$14.00} on XX/XX/XXXX XXXX * XXXX XXXX {$17.00} on XX/XX/XXXX XXXXXXXX XXXX XXXX {$20.00} fee against {$32.00} equates to 62.4 % transaction fee charge. Client service says this was valid and not reversible. I've closed the account immediately after 21 years being a client. If this charge was due to accepting the promotional offer, Citibank did a poor job explaining the actual cost to the consumer to accepting the offer based on their balances. Promotional offers should start or be offered to start at the next billing cycle so no surprise fees show up for prior purchases. 

Note to Citi - really stupid way to lose a lifelong client over a {$20.00} fee.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Dear cfpb I I had money paid to the bank Wells Fargo they never put the money Into my savings or checkings I have picture proof that I have a transaction in my account and another picture that I can only get from the bank when money is paid internationally there's was also a glitch It states a have the pending transaction put it XXXX says I don't this is all.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Charge-Off FCRA XXXX XXXX Violation Account Disputed : XXXX XXXX XXXX Account XXXX XXXX To Whom It May Concern, I am formally disputing the charge-off reported by XXXX XXXX XXXX, Account XXXX XXXX. The information being reported is inaccurate and unverified. Additionally, the creditor failed to provide a required 1099-C, which calls the validity of the reporting into question. 
Under the Fair Credit Reporting Act ( FCRA ), including Section XXXX, Experian is required to maintain maximum possible accuracy. If XXXX XXXX XXXX can not validate this account with complete documentation, the tradeline must be corrected or deleted. 
Due to the clear inaccuracy, I request expedited handling and correction or deletion within four ( 4 ) days of receipt of this notice. 
Please provide written confirmation of your findings. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: AL

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 2025-12-07 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: AL

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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I initially expected to pay the loan down with increased payments to lessen the interest charges. As I did this and made those earlier and higher payments, they in turn began to change their payment plans thereby increasing the interest monthly charges. This process to me violated my already contracted loan and my attempts to pay it down to regain my title. 
At XXXX time I believed they were working with me giving me a new XXXX months payment allotment to pay off the loan. The payments were higher than the monthly interest rates so I assumed and believed I read I the provided terms page that paying the higher amount each month would be sufficient to pay off the loan. The local store indicated no and were unable to access the agreement term ending XX/XX/XXXX. 
I am asking that this method be done again as the original loan take XX/XX/XXXX, at {$2300.00} has now bloomed to $ XXXX though I again attempt to pay {$50.00} + overage on any payment made per month an yes sometimes in installments throughout the month since I am paid biweekly. 

They aren't willing to work with me at the local store. I believe due to my racial ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AL

Complaint narrative:
I attempted to submit my identity theft dispute through Experians online system, but the portal would not allow me to dispute certain inquiries or remove incorrect addresses tied to identity theft. These categories were restricted and prevented me from completing a full dispute online, so I am submitting it through the CFPB.

Over the years, my personal information has been compromised multiple times. I lived with other adults in the past and experienced a difficult divorce, so it is hard to pinpoint when the exposure began. My bank account was also hacked, and identity monitoring later showed my data in several smaller breaches that were found on the dark web. Larger breaches, including XXXX XXXX and XXXX XXXX XXXX, confirmed that my SSN, date of birth, email credentials, passwords, and other PII were exposed. With all these incidents, it is clear that several items on my Experian report are the result of ongoing misuse of my personal information. 

The inaccurate accounts, inquiries, and personal information are documented in my FTC Identity Theft Report and dispute letter. Reporting unverifiable or identity-theft-related items violates FCRA 605B, 1681e ( b ), and 1681i.

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 2025-12-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report from three finance companies that I did not apply for. These inquiries were made without my knowledge or permission. I have already filed an identity theft report, and I am requesting that these unauthorized inquiries be removed from my credit file immediately.

These inquiries are the result of identity theft, and they are negatively impacting my credit score. Please investigate and delete all fraudulent hard inquiries associated with accounts or applications I did not authorize.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Issue : Experian is preventing me from accessing my credit report and exercising my rights under the Fair Credit Reporting Act. 

Details : I am unable to verify my identity with Experian to access my credit file. The email address on my Experian account is outdated, and the system will not allow me to update it or complete identity verification. As a result, I can not view, dispute, or correct any of the information being reported about me. 

I have attempted multiple times to verify my identity using Experians online system, and it continues to reject valid information. There is no clear option to speak with a representative to resolve the issue. Because Experian is blocking my access to my file, I can not review or dispute inaccurate items that may be affecting my credit.

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 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: CO

Complaint narrative:
Commerce Bank widely advertised a new account sign-up bonus. When signing up a new account and making required deposits, new accounts were eligible for a {$700.00} bonus. I saw these advertisements on the bank 's XXXX page, pushed out to my XXXX timeline, and there was a link and code on the bank 's own webpage. I used the code, created the account, made the required direct deposits and then did not receive the new account bonus. The timeline of this was XX/XX/year> ( account opening ) with an anticipated bonus payment date of XX/XX/year>. 

When I did not receive the bonus, I sent a secure message to the bank and they did not respond. A week later, I did a customer service chat, and was told they would look into it and I would receive a response within a week. Over a week went by without a response, so I did another chat and was then told that I was not eligible because the bonus was targeted for specific individual 's names and my name was not " on the list, '' so I did not receive the bonus. 

It is misleading advertising to widely post this bonus on social media and on their own webpage. Additionally, if there is a list of names who qualify, the bank could have informed me that I was not eligible for the bonus code that I entered. Instead the bank accepted my deposits for months and only communicated that I would not receive the bonus after I reached out 3 times. 

I understand that I may not qualify for the bonus, but their advertising techniques are misleading, and they allowed me to proceed with applying for an account even though I was not going to receive the bonus. Furthermore their customer service was not responsive after multiple attempts. 

Links to two of the XXXX advertisements : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am filing this complaint because all three credit reporting agenciesEquifax, Experian, and TransUnionare reporting late payments on several of my accounts that are not accurate. I have never paid these accounts more than 30 days late, and the late payment reporting is harming my credit profile.

I have already mailed dispute letters to all three bureaus, but the inaccuracies remain. I am requesting the CFPBs assistance to ensure the bureaus properly investigate and correct the reporting as required under the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( accurate reporting ) and 15 U.S.C. 1681i ( reasonable reinvestigation of disputes ). 

Equifax The following accounts are incorrectly showing late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should show : Paid as agreed, never late Experian Experian is reporting inaccurate late payment history on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were paid on time and should reflect a 100 % on-time payment history. 

TransUnion TransUnion is inaccurately reporting late payments on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All should reflect paid as agreed with no late payments. 

These inaccurate late payments are affecting my credit score and access to fair credit.

I have requested that the bureaus verify the alleged late payments through the furnishers actual bank transaction records. If they can not prove the payments were truly late, the negative information must be removed.

Additionally, I am concerned that the credit bureaus may delay processing disputes based on the assumption that a consumer is working with a credit repair company. This is not a valid legal reason to delay or ignore my disputes, and the FCRA does not require consumers to submit a Power of Attorney to exercise their rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A disputed items on my credit report that I found where being furnished incorrectly and with errors, some common sense errors and others in which I sent in court documentation of me not owing anything on the debt item they been displaying for over six years and its one more thing that prevents me from owning a home I still have XXXX boys under XXXX XXXX XXXX. I need help to remove items that are been displayed twice and secured cards that have debts, and secured cards dont offer credit so they need to be removed it information been furnished incorrectly and Ive disputed the items more than once with supporting evidence each time.

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 2025-12-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I formally requested written validation and proof of the alleged debt they are reporting under my name. I specifically requested documentation required by federal law, including the original creditors information, proof of ownership, the original signed agreement, an itemized balance breakdown, and proof that they are legally authorized to collect in my state. 

To date, no such documentation has been provided. Instead, I have been instructed to contact the company separately by phone. This is not reasonable, not compliant with federal consumer protection standards, and is especially concerning since I previously attempted to resolve this directly and received no resolution or assistance at all. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a furnisher of information is required to conduct a reasonable investigation and provide verification of accuracy when a dispute is made. Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must cease collection activity until proper validation is provided. This agency has failed to do both. 

Despite the absence of any verified proof, the account continues to be reported on my credit report and collection efforts continue without lawful validation. This constitutes : Failure to properly validate an alleged debt Failure to conduct a reasonable investigation Continued reporting of unverified information Improper collection activity I am requesting that the CFPB require this company to either : Provide full legal validation of the alleged debt, or Immediately delete this account from my credit file This situation has caused unnecessary stress and harm to my financial standing due to reporting without lawful verification. 

Thank you for your assistance in enforcing my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
This collection is fii oh r an account that is not mine I never authorized anything related to the original account and the collection agency has not provided and paperwork showing me any information on this account it has been removed from my XXXX  Im asking to have removed from all other credit reporting like trans union and XXXX  as this account does not belong to me

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 2025-12-07 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: NC

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

Company response to consumer: Closed with explanation