vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CITIBANK, N.A.
State: MI

Complaint narrative:
In early XX/XX/year>, I discovered that a credit card application had been submitted to Citibank in my name without my authorization based on a review of my credit report for a hard inquiry ( among many others I found ). Upon reviewing my credit report, I found that the inquiry was listed as XXXX XXXX XXXX, dated XX/XX/year>. I believe this is a case of identity fraud. 
I immediately began contacting Citibank to report the issue and request that the fraudulent application be canceled and removed from my credit report. Since then, I have made numerous calls to XXXX customer service XXXX XXXX department, credit card team, and application group. Ive been transferred repeatedly between departments and given at least XXXX different phone numbersnone of which have led to a resolution. Each team claims the other is responsible, and no one has been able to locate the application or confirm its removal. 
Despite clearly stating that this is a case of identity theft, Citibank has not taken any meaningful action to investigate or resolve the issue. I have submitted an FTC Identity Theft Report and contacted the credit bureaus to dispute the account. 
I am requesting that Citibank : - Locate and cancel the fraudulent application listed as XXXX XXXX XXXX XXXX  Remove any related inquiries or accounts from my credit report - Provide written confirmation that the issue has been resolved This situation has caused significant stress and wasted time. I am asking for the CFPBs assistance in ensuring Citibank properly investigates and resolves this matter.

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 2025-09-09 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: FL

Complaint narrative:
I previously disputed an account from XXXX ( Account # XXXX ) multiple times. Fore more than 4 months, I have receipts from the XXXX XXXX attached as proof. Experian claimed the account was 'verified, ' but they never provided any documentation or proof of the alleged debt. Despite my repeated disputes online and via letters, the account remains on my credit report with inaccurate information, including duplicate charge-off notations and conflicting balances. Experian has failed to properly investigate or ensure accuracy, violating FCRA 611 ( a ) and 607 ( b ). I am requesting the account be deleted from my credit 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 explanation
Consumer complaint received 2025-09-09 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: OK

Complaint narrative:
VIOLATIONS OF THE XXXX ACT XXXX : XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with XXXX XXXX banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the XXXX banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, XXXX XXXX  AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA XXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

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

Complaint narrative:
VIOLATIONS OF THE XXXX ACT XXXX : XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with XXXX XXXX banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the XXXX banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, XXXX XXXX  AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA XXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

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 2025-09-09 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX  XXXX Balance : {$8500.00} XXXX XXXX Balance : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
My XXXX account was closed on [ insert closure date ]. At the time of closure, I had a remaining balance that was not refunded to me within a reasonable period. 

On XX/XX/year>, the CFPB issued a Consent Order against XXXX XXXX XXXX XXXX for illegally delaying consumer refunds after account closures. The order requires XXXX to provide at least {$150.00} in redress to affected customers who had {$10.00} or more remaining and were not refunded within 14 days. 

I believe I XXXX be eligible for this redress. However, I have not received clear confirmation or payment from Chime. 

I am requesting confirmation of my eligibility and immediate payment of any redress owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent XXXX certified letters to dispute inaccurate information on my personal credit report. I have attached the letters with the information I requested to be investigated. Nothing was ever done and I have been ignored.

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

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. XXXX refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am currently trying to sell a couch online and was contacted by a profile XXXX XXXX. They asked me to text them about the listing. I messaged them asking if they were still interested and they said they wanted o purchase it immediately. The subject claiming to be XXXX asked if they could pay for the couch immediately and have their sister pick up the couch, the following day. I agreed and provided them with my mothers XXXX information. They told me the money was sent and asked for confirmation. I did not receive any payment and they insisted they sent it. Then they claimed to have a business account and said that XXXX was holding the funds until an additional payment was sent. They had emails sent to me confirming this and had me call a number with a representative who walked me through the process of sending the additional funds through cash app and bitcoin. They assured me that the funds would be released back into my account and sent an email from an account that looks to be impersonating the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a new XXXX checking account on XX/XX/year> with a {$350.00} promotional bonus advertised for new members who enroll through the promotional link and receive a qualifying direct deposit of {$200.00} or more. I completed a qualifying direct deposit of [ XXXX ] on [ Date ], which fulfills the promotions requirements. 

I took screenshots during enrollment showing the promotion and shared them with XXXX multiple times. I contacted XXXX through email and in-app chat, including with a supervisor, asking them to apply the bonus and to provide a formal written explanation if my account was excluded. 

XXXX repeatedly told me their system does not show the promotion on my account and that they can not provide the bonus. They refused to escalate the case or provide any written explanation, and the chat ended without resolution. 

Despite meeting all stated requirements and providing evidence, I have not received the {$350.00} bonus. I am requesting that XXXX  review my account, credit the bonus, or provide a formal written explanation for why my account was excluded from the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
I WAS TRYING TO PURCHASE AN HOME FOR ME AND MY FAMILY AND REALIZE THAT I HAD DAMAGES ON MY CREDIT REPORT ACCORDING TO THE 15 US 1681 THERE SHOUDNT BE ANY DAMAGES ON MY CREDIT REPORT ITS A DEFERMATION TO MY CHARACTER

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 2025-09-09 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX  XXXX Balance : {$8500.00} XXXX XXXX Balance : {$9300.00}

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 2025-09-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe 1XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
A debt collector tried to garnish my bank account more than once, even though the money in the account is exempt under state law. I had to file in court to protect those funds, even after the company had already withdrawn a prior attempt. This has caused unnecessary stress and expense for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
COMENITYBANK/VICTORIA Called me stating that I had late charges the accrued. I was never sent a bill I denied this was my charge. We had several conversations around XX/XX/year> about this charge, they couldn't tell me what exactly I purchased. But after several conversations I decided to settle with them and paid {$110.00}. She assured me this would settle the account and bring the balance " XXXX '' I heard nothing more until XXXXXXXX XXXX XXXX and they started calling me saying I was late again on this charge. After review he admitted he saw notes that we settled this account in XXXX. He made more notes and brought back to XXXX. I told him if I was harassed about this again I would report them. He appologized and said she just didn't finalize this. I asked him for proof of our conversation and that it was brought to XXXX. I never received any documentation. I realized this month that it was still being reported on my credit reports with XXXX, Equifax, and XXXX XXXX. Experian didn't remove this when i disputed. i also called comenity but they told me to go to the bureaus. XXXX refused to remove this negative mark. No one will help even though XXXX told me he saw all the notes pertaining to this from all my calls confirming this. XX/XX/XXXX I asked XXXX for a letter stating it was paid as agreed and asked him to stops these reports to the bureau 's. He said he couldn't that I had to, but no luck.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing inaccurate reportinXXXX XXXX XXXX XXXX XXXXXXXX on my credit file. The same account ( ending in XXXX ) is being reported with different Date Last Active ( DLA ) across XXXX XXXX XXXX XXXX 

This inconsistency is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to provide accurate and consistent information to all consumer reporting agencies. The differences in DLA negatively impact my creditworthiness, payment history calculations, and scoring models.

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