vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I was victim to Identity Theft and began receiving new account notices in the mail that I never authorized or opened. This involved three companies, which were XXXXXXXX XXXX XXXX XXXX, and Citibank. I have already had to file a CFPB complaint against XXXX XXXX, which resulted in the company resolving the matter successfully for me ( this should be on file in your system ). However, I am now having difficulties with Citibank, and this complaint is pertaining to them. 

I had contacted Citibank after receiving an unauthorized debit card in the mail from them that was the result of an unauthorized account that had apparently been opened in my name. Citibank advised me to file an Identity Theft report with the FTC and to provide them with this so they could close the fraudulent account and have it removed from my credit reporting with XXXX  and the FCRA. 

After filing the Identity Theft report with the FTC and providing it to Citibank as instructed, they sent me a rejection letter dated XX/XX/year>, telling me they were unable to complete their investigation and have closed my fraud claim. They did this without even attempting to contact me. I resubmitted the identity theft report to them again, which they rejected a XXXX time on XX/XX/year>, with the same reasoning they were unable to complete their investigation, again with no contact from them whatsoever. 

It appears that Citibank is non compliant and in violation of the Truth in Savings Act Reg DD and FCRA.

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 2025-09-15 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: TX

Complaint narrative:
I am disputing information that was placed on my credit report without my authorization. At no point did I give permission for this company to furnish or report this account under my name. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Section 604 Permissible Purpose ) : A consumer reporting agency may only furnish a consumer report if there is a permissible purpose, such as my written consent. I was never asked for nor did I provide consent.

15 U.S.C. 1681s-2 ( Section 623 Responsibilities of Furnishers ) : Companies that furnish information to consumer reporting agencies must ensure the information is accurate and authorized.

15 U.S.C. 1681e ( b ) ( Section 607 Compliance Procedures ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Because this account was reported without my knowledge, consent, or a permissible purpose, it violates the FCRA. I am requesting that the Consumer Financial Protection Bureau require the company and the credit bureaus to delete this unauthorized account from my credit file immediately. 

This inaccurate and unlawful reporting is damaging my credit profile and causing harm to my financial opportunities.

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 2025-09-15 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: GA

Complaint narrative:
On XX/XX/year>, I submitted disputes with Experian and Equifax through the CFPB requesting the Method of Verification ( MOV ) for multiple fraudulent accounts that are not mine. My request specifically asked for : the name of the furnisher contacted, the date and time of verification, and a copy of the signed contract, since Georgia is a contract state. 
Both Experian and Equifax failed to provide this information and instead marked the accounts as verified. To date, they have ignored my lawful request under the FCRA. This is now my second notice, and I am escalating the matter to the CFPB and the Georgia Attorney General for enforcement. 
I demand that these fraudulent accounts be removed from my credit reports within 15 days or that the bureaus provide the full MOV and signed contracts as required by law. Their failure to respond violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Bank of America concerning a credit card account that was compromised due to what appears to be a systemic failure to adequately disclose and manage Personal Identification Numbers ( PINs ). As a result of this issue, I have been held liable for fraudulent charges despite reporting the unauthorized activity. See attached letter My credit card account, last four digit XXXX was compromised, and fraudulent charges were made using a PIN. Bank of America has denied my claim to credit back the fraudulent charges, stating that a PIN was used to authorize the transactions. My key issue is that at no point was I informed that the card came with a pre-assigned PIN, nor was I given clear instructions on how to set a new, secure one. 
Attached are copies of the following documents to support my claim : The letter that came with the credit card : As you can see, there is no language or instruction on the front or back of the letter indicating that a PIN had been assigned to the card or that I needed to change it. This lack of communication directly led to a security vulnerability I was not aware of. 

Upon bringing the issue to a representative 's attention, the response was that Bank of America does not have the capability to accept emails and scanned documents. The representative stated that the only way for the large conglomerate to receive the necessary information was for the individual to physically go to the bank and fax the documents. 

The denial letter from Bank of America : This letter explicitly states that the fraudulent claims are being denied because a PIN was used. This directly contradicts the bank 's failure to notify me of the PIN 's existence or provide proper security instructions. 

I believe Bank of America 's failure to provide this critical information constitutes an unfair and deceptive practice. Consumers should be fully informed about the security features and vulnerabilities of the products they receive, especially when those features are used to shift liability for fraudulent transactions onto the consumer. 
I request that the CFPB investigate Bank of America 's policies regarding the issuance of credit card PINs and its communication practices with customers. I also request that the CFPB assist me in having the fraudulent charges reversed and the liability assigned correctly to the bank, as required by consumer protection laws. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Creditor/Company : Nelnet Servicing Issue : My personal information was exposed in the XXXX  Nelnet data breach. 
Since that incident, multiple unauthorized inquiries and entries have appeared on my credit reports. 
These entries were not initiated or approved by me and appear to stem from misuse of my information. 
I have not initiated any new student loan applications or transactions that would justify these entries. 
Nelnet experienced a major data breach in 2022 which exposed the personal data of millions of borrowers, including Social Security numbers. As a result, I am concerned that these inaccurate items may be the result of identity misuse, error, or negligent data handling.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate and unverifiable information. I am exercising that right now and requesting prompt removal of these items within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Remove these disputed items within 15 days as required under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

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 2025-09-15 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: IA

Complaint narrative:
XXXX persists in reporting a balance on my credit report despite issuing a 1009-C Code G in XXXX. A copy of the 1099-C was forwarded to all 3 credit bureaus but only XXXX  removed the XXXX account from my Credit Report. Both Experian and TransUnion claim the balance was verified and continue to report it.

Legal Action against XXXX, Experian and TransUnion is pending.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
i have had self financial inc reporting incorrectly to my credit report for the past three years. i paid them and closed the account and they kept reporting to my account as active and late for three years. i have asked them to rectify this and they said they would send me an email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MI

Complaint narrative:
I was trying to buy a house I realize I had damages on my credit report according to the 15.U.S.C1681 law there shouldn't be any damages on my credit report this is a deformation of character on XXXX XXXX I disputed these items the credit bureau did not furnish there method of validation these accounts are still on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX card, a store-specific, business card, adminstered by citi, has abysmal statement retention. 

They delete pdf statements after 6 months, and delete csv statements after 3 months. The XXXX files lack proper transaction dates- omitting even the year! And they are not even tabular, with random cells for arbitrary values. Shame. 

This is a business card, and businesses need acces to transactions to file taxes. 

This is hateful to their customers, and they don't allow customers to access their own data in a reasonable or compliant fashion.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
Halsted Financial Service ( NMLS XXXX ), XXXX XXXX ( NMLS # XXXX, and XXXX XXXX XXXX ( NMLS XXXX ) emails sent by XXXX XXXX reference number XXXX on XXXX, XXXX stating XXXX XXXXXXXX XXXX  current debtor acct # XXXX, don't know either. XXXX original debtor wasn't able to locate NMLS  #.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: FL

Complaint narrative:
FMA Alliance , Ltd. is attempting to collect a {$17000.00} deficiency balance on my XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ( XXXX ). This debt is invalid because ( 1 ) {$7600.00} in impound/storage charges were unlawfully added in violation of Florida Statute 323.001, and ( 2 ) the vehicle was sold on XX/XX/XXXX for only {$7000.00}, far below market value, making the sale commercially unreasonable under Florida Statutes 679.610 and 679.626.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Noticed balance on XXXX mobile app was not accurate. {$500.00} check deposited via mobile app and direct deposit from my company not showing. Called customer support- automated message told me all systems are down and then hangs up. 

Went to local branch, manager was as frustrated as I was and had no information. I can not access {$5700.00} that was just deposited with no ETA of when I would be able to access it. Bills are due. I was told all ACH activity was failing so I'll likely get late charges

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 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I went back to the school it was closed down no information I called the instructor gave me a number to a different campus where I filed my complaint and I was be very called back I never received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

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 2025-09-15 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: GA

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts represent a violation of 15 USC 1666. I have consistently paid on time, and any discrepancies in this reporting are both unlawful and unjust.

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