vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> Citi Bank closed my account stating fraud on the account. At the time I had placed {$1200.00} in my savings account and the checking account was left with a XXXX balance. Previous to this i had received a check from my job on XX/XX/XXXX in the amount of {$4500.00} so the {$1200.00} was left over from my check. I opened the account with Citi Bank only to receive my job from my check and my child support. While the account was restricted which means I had no access to it XXXX child support deposited on XX/XX/year> {$400.00}, on XX/XX/year> {$5.00} and on XX/XX/year> {$500.00}. These deposits were made in the account before I was able to stop the payments and change my banking institution. I called Citi Bank on several occasions stating that I was heavily pregnant and that I need the funds in the account. I did not know that while the account was restricted the account was still able to accept deposits. I have called Citi Bank over 20 times asking about the funds in the account and was given several answers as to wait 90 days/60 days/15 days. One supervisor said I would receive the money by XX/XX/XXXX which that has no happened. Today XX/XX/XXXX the update I was given after returning to the bank for the 4th time in person was that I will not be receiving any money from the closure of the account. I was told by the bank manager that my job have to reach out to Citi Bank 5 months later to show proof that they paid me and they will send my job back the funds and then my job would reissue me the money. The same goes for child support. Also I am yet to receive any letter stating the reason for my account closure. I am reaching out because I have waited 5 months only to hear I will not get back the money owed 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 monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

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 non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-11 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: CA

Complaint narrative:
Please inspect the attached materials ; these inquiries appeared without prior warning and XXXX be invalid.

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 2025-11-11 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 2025-11-11 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC acquired a collection account from XXXX XXXX that was fraudulently opened in my name as a suspected identity theft. Despite repeated requests to XXXX XXXX and XXXX, XXXX that this acct must be in error and to cease attempts to contact me to collect debt, they have continued collection efforts and have significantly harmed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-11 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: VA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-11 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: VA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: IL

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I used my JPMorgan Chase United credit card ending in XXXX to purchase concert tickets on XXXX for an event scheduled on XX/XX/XXXX. I later closed this credit card account in XX/XX/XXXX after paying the balance in full. 

On XX/XX/XXXX, the event was canceled. XXXX  issued an automatic refund of {$2200.00} to the same Chase card ( Transaction ID XXXX ). Because the card account had already been closed, I could not access the funds. 

I contacted Chase multiple times to request that the refund be released or redirected ( for example, by issuing a check or transferring the amount to an open account ). I provided supporting documents, including XXXX  refund confirmation, the event-cancellation notice, and records showing the refund was sent to the closed Chase account . Chase representatives initially told me to wait 90 days. After more than 120 days, the funds have still not been returned. 

Each time I called, I received the same response : that my card/account was not found in the system. After speaking with several agents and supervisors, I was repeatedly told to call back in XXXX days, which I have done multiple times, always receiving the same answer and no resolution. As a closed account should not receive payments, this raises concerns about where the funds were applied. XXXX  has confirmed that the bank never returned the money and that the refund was 100 % accepted on their side. 

I am requesting that Chase investigate and release the {$2200.00} refund that rightfully belongs to me, and provide a clear explanation of where the funds were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXXdays to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: NC

Complaint narrative:
When I tried to open the checking account on XX/XX/year>, the terms were : Netspend is offering a {$200.00} bonus when you open a Netspend Prepaid Card or Netspend Debit Account and complete the following requirements : Activate card Enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account And I did meet all the requirements to be qualified for the bonus ( I received a {$400.00} direct deposit on XXXX ). But I have never received any bonus money.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Attached is additional documentation related to my ongoing Chase Fraud case to ( XXXX ). 

These screenshots show that fraudulent actors are still targeting me through text, phone, and email even after my original claim was filed. 

This update is being shared to demonstrate ongoing identity targeting and to ensure Chase Executive Office includes this information in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
XXXX XXXX my Tower Loan was closed due the company I work for XXXX XXXX XXXX closed down for good. That Tower Loan did confirm the place of employment and the loan was written off by the insurance company. Paid in full by them because loss of job

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 2025-11-11 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and I seen inaccurate information on the my report. I contacted the credit bureaus and they didnt remove the information I discussed.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I checked my credit report and I seen inaccurate information on the my report. I contacted the credit bureaus and they didnt remove the information I discussed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: WI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
chase allowed checks to be cashed via phone with amount only on check acc XXXX No Date No last name no signature no signature on back no written amount that matches no memo XXXX checks totaling {$44000.00} filed with secrete service XXXX case XXXX they said only responsible for 90 days of checks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-11 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: TX

Complaint narrative:
My Transunion report is showing inaccurate late payments and an incorrect balance on my XXXX XXXX automotive account. According to XXXX, this same account is current and in good standing, but Transunion continues to report multiple late payments and an increased balance that does not match my loan documents or other bureaus. Between XX/XX/year>, and XX/XX/year>, the balance was reported as increasing from {$14000.00} to {$14000.00} which is inaccurate and suggests a missed payment when I was actually current. This error is damaging my credit score and does not reflect the true payment history or balance. I am requesting an investigation and permanent removal of any inaccurate late payments and incorrect balance data from my Transunion report. Please confirm correction across all bureaus to ensure consistency.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccuracies reported on my credit file by XXXXXXXX XXXX XXXX Upon reviewing my credit report, I discovered XXXX specific issues : an incorrect phone number, XXXX, which I did not authorize to be included in my credit file, and an unauthorized inquiry by XXXXXXXX XXXX XXXX. This inquiry was made without my consent and is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports can only include information that has been properly authorized by the consumer. 

The presence of the incorrect phone number is causing unnecessary confusion and potential harm to my credit profile. Additionally, the unauthorized inquiry by XXXXXXXX XXXX XXXX  is in violation of 15 U.S.C. 1681b, which requires that information be reported only for permissible purposes and with the consumer 's consent. I have not authorized this inquiry, and I demand that it be immediately removed from my credit file. 

Moreover, I am currently unable to file a new FTC Identity Theft report due to the FTC website being unavailable. This shutdown is preventing me from taking the necessary steps to address these fraudulent activities through the proper channels, further exacerbating the issues I am facing. 

Furthermore, this situation is not unique to my case. I am aware of the recent settlement in the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX lawsuit, where XXXX  was found to have failed to conduct a reasonable investigation of disputed hard inquiries and did not remove them. The lawsuit asserts that XXXX  violated the FCRA by not contacting the company that made the inquiry or removing it after a dispute was filed. Given this context, I am requesting that the appropriate actions be taken to ensure that my dispute is handled in accordance with the FCRA and that these inaccuracies are corrected promptly.

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