vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After getting rejected check payments I was advised by an agent it was due to the type of account I had. So I go new account I waited for a new debit before setting up direct deposit it never came. I finally reached out to citi and was advised that the card would work with both accounts. Once I received deposit card didnt work. I had to transfer funds over to other open accounts in order to use card! I have to keep transferring funds just to use my card when the agent advised me it would work. I reached Citi again today XX/XX/year> first call at XXXX agent stated that I consolidated my accounts and only one card would work. I told her it wasnt and she just kept repeating the same thing not helping. She wanted me to close my accounts and open up new accounts all for a debit card! I asked for a manager and after holding for over 10min she drops the line! I call back and requested her information guy stated in which I could not understand him, stated they are unable to provide agents names and reference XXXX XXXX to the calls.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Milestone keeps calling me about a card that i did not apply for. I have been involved in a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XX/XX/year> I tried to send money from Chime account ro my XXXX XXXX debit card. The money was not received. I knew I had a transaction from the IRS pending so I needed the money in my XXXX XXXX account. I called Chime they told me there was a problem with the initial transaction, but was promised it would be rectified within 2 hours. So I made a second instant transfer in the amount of {$60.00} to cover my pending debit. The second transaction went through but the first never showed up. I've disputed this 4 times all denied. I need my {$75.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX, and TransUnion are reporting an outdated and inaccurate XXXX debt that should have already been deleted entirely from my credit report, not merely marked as closed. 

On XX/XX/year>, I submitted a payment of {$13.00} to the XXXX XXXX and XXXX XXXX ( XXXX ) via XXXX  ( Tracking ID : XXXX ) for the resolution of this debt, associated with account number XXXX. The payment was processed via ACH debit from my personal checking account and finalized by XX/XX/XXXX. 

After making the payment, I submitted a formal ticket with XXXX Debt and Claims Management, requesting both a paid-in-full letter and a formal request for credit bureau deletion, which XXXX has acknowledged. My ticket number is XXXX ( submitted XX/XX/year> ). 

XXXX has clearly stated they do not maintain delinquent items on consumer credit files once the debt is resolved. Therefore, this debt should no longer be appearing on any consumer reporting agencies files. 

However, as of today : TransUnion is still reporting the debt as closed but not deletedthis is misleading and fails to meet the standard of accuracy required under the FCRA ( 15 U.S. Code 1681i ). 

XXXX and XXXX  are still reporting the item as open and derogatory, despite its resolution. 

I am requesting the immediate deletion of this XXXX tradeline from all three credit bureaus, as it is resolved, paid in full, and no longer verifiable or reportable under FCRA rules XXXX The continued presence of this item is harming my creditworthiness and constitutes inaccurate reporting under federal law. 

Additionally, XXXX has acknowledged my payment in full and has stated that they would provide a letter confirming both payment and a request for deletion from the credit bureaus. XXXX policy does not support continued credit reporting once a debt is resolved, and the credit bureaus are therefore acting inconsistently with both the furnishers instructions and the legal standard of data accuracy. 

If the bureaus are unable to obtain current and verifiable documentation from XXXX proving the account is still reportable, they are legally obligated to remove it under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

I am requesting written confirmation from each bureau once the tradeline has been removed.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2025-07-18 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:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-18 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: KS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
Several companies have unlawfully accessed my credit report, causing direct and measurable harm to both my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored. These inquiries remain on my report, and your agencys failure to act is unacceptable. 
The continued presence of these suspicious entries raises serious concerns about potential identity theft. This unresolved issue is inflicting ongoing financial and emotional distress, and your inaction only compounds the damage.

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 2025-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a vehicle from XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX. The lease agreement I signed along with the dealerships finance manager, XXXX clearly states 12,000 miles per year. However, the dealership submitted the lease to Kia Finance with only 10,000 miles per year, which significantly changes the value and cost of the lease. 

I discovered the issue months later and have been contacting the dealership repeatedly since XX/XX/XXXX. I even received a text message from the dealership admitting the mistake and stating it would be fixed within 3 months. 

Despite numerous emails and a formal written request sent on XX/XX/XXXX, the issue remains unresolved. I have now filed a complaint with the Florida Attorney General and opened a case with XXXX XXXX. At this point, I no longer want the vehicle and I am requesting full termination of the lease without penalties or fees due to the dealerships failure to honor the signed contract. 

I am seeking CFPB assistance to ensure Kia Finance ( or any related finance company ) acknowledges the issue and allows me to exit the lease without financial penalty. I have documentation available, including the signed lease, emails, and the dealerships written admission of error. I can provide proof of the signed contract, all related emails, and text messages from the dealership confirming the error and timeline of my attempts to resolve the issue.

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 2025-07-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX with a balance of {$7200.00} under the account number XXXX, XXXX XXXX Bank on XX/XX/XXXX with a balance of {$150.00} under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} under the account number XXXX, a charge account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$380.00} under the account number XXXX, a charge account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX and a XXXX  account with a balance of {$40.00}. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo denied my dispute I made on XX/XX/year> because they claim the lease does not explicitly state that the landlord must refund me if conditions are not met. However, this is not required for a dispute to be valid under XXXX  guidelines or consumer protection law. This is not a contractual dispute its a claim based on failure to provide promised services and concealment of serious habitability violations. 

I reported unlivable conditions to both XXXX and XXXX, received no resolution, and was forced to vacate for health and safety. The business failed to deliver a livable unit, refused to engage in resolution, and now refuses to refund charges under false pretenses.

I am requesting that this dispute be properly escalated to XXXX, as is my right as a consumer, and that provisional credit be issued while the dispute is investigated. This should not have been denied based on a misleading interpretation of my lease.

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 2025-07-18 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn't look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer 's request for a report of such investigations within 15 days. Where is it? 
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

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

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 2025-07-18 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: TX

Complaint narrative:
Their was 3 fraudulent inquiries on my report that I did not initiate, I need these inquiries removed since I did not authorize I also have a fraud alert on my file and inquiries were still made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
From : XXXX XXXX Dated XX/XX/year> To : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Cc : Meridian Financial Services CC : XXXX XXXX XXXX XXXX - XXXX : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX And assessment- # XXXX I have deeded/conveyed this over to this company in lieu of foreclosure two years ago when my account was current.

I have discussed this matter with XXXX XXXX XXXX over the phone. I do not acknowledge any further debt to XXXX XXXX XXXX, XXXX, or Meridian Financial Services.

My attorney has also sent a letter to you with the same information last year. Please review your files and you can contact the attorney for any questions. 



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