vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: PA

Complaint narrative:
UPON ME RECEIVING A COLLECTING NOTICE IN THE MAIL IN REGARDS TO ACCOUNT I PULLED MT=Y CREDIT REPORTS AND SAW SEVERAL ACCOUNTS OPEN IN MY NAME THAT WERE FRADULENTLY OPEN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Company : Citibank Product : XXXX XXXX Credit Card Issue : Billing Dispute/Unauthorized Charge Amount : {$640.00} Im filing this complaint regarding Citis mishandling of an unauthorized credit card transaction and improper application of interest, in violation of the Fair Credit Billing Act ( FCBA ) On XX/XX/XXXX, a {$640.00} charge was posted in my credit card after multiple declined transactions and alert fraud. 
The first amount transaction was declined {$350.00} in a liquor store The second amount transaction was in a gas station for {$1.00} The third amount transaction was {$940.00} in liquor store. 
The last transaction was {$640.00} in a XXXX. 
All clear indicator of fraud ( card cloning ) The bank send me notification and alerts through CitiBank app and I didnt recognize the transactions in app. Immediately making a dispute transaction. 

Citi contact me for investigation, after few days Citi closed my dispute stating only that the XXXX chip was used and that I confirmed my card was in my possession. Citi did not provide proof of authorization, such a signature, PIN verification or any other form of cardholder authentication. 

Under de FCBA, the use of an XXXX chip alone does not constitute proof that the cardholder authorized the transaction. 

Additionally Citi improperly charged interest and fees on the dispute amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
There has been late payments record to all three of the major credit agent 's showing late payments, I am requesting Bank statements from XXXX bank account showing when the payments was received if not able to provide this information I am requesting for the payments to be mark as paid as agreed never late for the months you have provide to the credit bureaus as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as XXXX instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I attempted to deposit check number XXXX for {$4000.00} from XXXX XXXX XXXX XXXX into my Checking account with card ending with XXXX using the bank 's mobile application on the XXXX of XX/XX/XXXX between XXXX and XXXX when I received it. It was a long wait for the check after an accident that happened in XX/XX/XXXX. 
The app asked for front and back pictures of the check, confirm the amount and then in a screen that states that the funds will only be available on the XXXX of XX/XX/XXXX, with two button submit and cancel. I canceled the operation and didn't submit the check since I planned to walk to the closest bank location for the deposit, but I tried to call the bank to understand why this holding period, since my account was opened in XXXX, I didn't do anything that may be a cause for further scrutiny of restriction, the amount isn't above the {$6700.00} amount limit. I was shocked to discover that the bank is already processing a check that I didn't deposit or submit to them to process. and if they are processing the check I have agreed to them holding my money till the XXXX??? I lost my temper when discovering that they are processing a check just after me taking a picture of it and not submitting it. I asked that the operation be canceled since I didn't initiate it and I did agree to its terms. 
After the call I headed to the closest location for the deposit, since when they have the physical copy they can do all the verification they need and speed up the process thus I deposited the check at the XXXX XXXX XXXX Bank of America number XXXX on XX/XX/XXXX at XXXX XXXX, with the bank putting a hold on {$3700.00} to the XXXX of XXXX and i was supposed to receive XXXX $ in the next business day, according to the teller it will be the XXXX. 
At the time of writing this complaint, the XXXX of XX/XX/XXXX XXXX XXXX  I still didn't receive any funds even the XXXX $ guaranteed by federal law..... After being in an accident, losing your property, job, opportunities of earning, and waiting for the insurance to issue your payment, Bank of America will take its time to get you your money from and other bank in the same state?? in a complete disregard to federal and state laws. HOW IS THIS POSSIBLE?

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 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: IL

Complaint narrative:
The Mosaic company which is the loan company for XXXX XXXX says that I owe them XXXX for solar panels that were not installed. XXXX XXXX let Mosaic know that they did not install the panels. I have sent photos of my roof/ house with proof that no panels have been installed but they are still saying that they will be sending me a bill. I've been working to try to make this company understand since XXXX that I do not have solar panels. I sent them photos on XX/XX/XXXX proving that there were no solar panels on the roof. This is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I have sent multiple letters asking for false information to be removed from my personal identification, and there has been no removal of the false name and old addresses. There should only be one name one address according to 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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
My bank account with Chime Banking was closed without any notification on XXXX. They said its because I filed for bankruptcy and that I have to wait 30 days to get my money that was in the account. Thats all the money that I have and now I have to wait 30 days. I had about {$2200.00} in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a {$160.00} refund marked 'Completed ' on XX/XX/year>. It has been 21 days, and the funds have not arrived in my XXXX XXXX account. Despite the time elapsed, PayPal has only provided an internal XXXX 'Reference ID ', rather than a 23-digit bank Acquirer Reference Number ( ARN ). Without an ARN, my receiving institution can not locate the funds in the banking network. Furthermore, I have received contradictory statements from PayPal agents ; one confirmed the refund on XX/XX/XXXX, while another later stated no refund was ever sent. I request that PayPal provide a valid ARN & work with cashapp to find my refund or re-issue the funds to my PayPal balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
A XXXX account was opened under my name in XX/XX/year> per my credit report. I have contacted XXXX and informed them that I am a victim of identity theft. I did not sign up for a XXXX  account. Even after explaining this to the company, they state that I must pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/year> RE : Account Number : XXXX Creditor : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account currently being reported on my Experian credit report. This letter serves as a formal demand for deletion of this account due to violations of federal consumer protection laws. 
I dispute this account in its entirety for the following reasons : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I have not been provided with competent evidence that I owe this alleged debt, nor proof that XXXX XXXX XXXX has legal standing or assignment authority to collect or report it. 
2. Inaccurate and Unverifiable Reporting ( FCRA 607 & 611, 15 U.S.C. 1681e ( b ), 1681i ) You are reporting this account without furnishing complete, accurate, and verifiable documentation, including : * A signed contract or agreement with XXXX XXXX * A complete payment history * Proof of lawful transfer or ownership of the debt 3. Re-aging and Reporting Inconsistencies ( FCRA 623, 15 U.S.C. 1681s-2 ) The reported dates and status appear inconsistent and may constitute unlawful re-aging, which is prohibited under the Fair Credit Reporting Act.

4. Unauthorized Credit Reporting Without Permissible Purpose ( FCRA 604, 15 U.S.C. 1681b ) Without valid proof of ownership and consumer authorization, you lack permissible purpose to report this account. 
Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation and delete any information that can not be fully verified. If you are unable to provide the above documentation, you are legally obligated to remove this account from all credit reporting agencies immediately. 
Please note that continued reporting of inaccurate or unverifiable information may expose your company to liability under both the FCRA and FDCPA. 
I expect written confirmation of deletion within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXPhone : XXXXEmail : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am making this statement to document that Chase Bank locked my account without providing any reason or explanation and has refused to disclose the basis for the restriction, despite multiple requests. 

At no point was I notified of any alleged violation, suspicious activity, or required action on my part. I have also not been given a timeline for resolution or instructions on how to regain access to my funds. 

The funds in this account represent my primary livelihood savings and are essential for my day-to-day living expenses. By denying me access without explanation or due process, Chase has placed me in a position of significant financial hardship and uncertainty. 

While I understand that financial institutions may conduct reviews for compliance or security purposes, indefinitely restricting access to a customers own money without transparency or communication is unreasonable. I am requesting a clear written explanation for the account restriction and immediate steps toward restoring access to my funds. 

This statement is being provided to formally record the issue and to support escalation to appropriate oversight bodies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> my car was broken into and my identification as well as bank cards were stolen. I immediately cancelled my bank card and reported it stolen to Huntington Bank. On the morning of XX/XX/year>, I received an alert about a {$1500.00} withdrawal from my checking account. This was a fraudulent withdrawal so I quickly called Huntington Customer Service and reported the issue. The representative told me she is unable to see where the withdrawal took place and they would be able to see the details after it finished pending, which should be the next day. I called a branch nearest to me and was told to come in so they could close my account and create a new one for me to stop any further fraud from happening. The next morning, on XX/XX/year>, I received notification that the account I was told had been closed, is now in overdraft of over {$2200.00} due to a bad check being deposited in my name. I called customer service that morning and was put on a very long hold but not before the customer service rep let me know the withdrawal was definitely over the counter or done in the drive thru, so I went to my closest branch instead. I requested to know where the original fraudulent withdrawal had taken place and was told by the banker that she was unsure if she was allowed to provide that information. I then asked for the branch manager to which she told me the manager is not in. I asked her to check which branch has a manager onsite currently as I need to speak with them. She told me the acting branch manager at their sister location was in today and she would give her a heads up Im coming. I drove to the sister branch and stood in line until an employee came up to me to see what I could be helped with. I let her know I have a fraudulent withdrawal on my account and need to speak with the branch manager. She let me know she is the branch manager and has a few people she needs to handle before she can speak with me. I said I would wait. Within a minute or so, she came back over and told me I could follow her to her desk. We sat down and I explained the situation. She let me know the account had never been closed the day prior and that the other branch much have made an error when they told me they had closed the account. She was quick to downplay the issue and said she had no way of finding out which branch or location the money was withdrawn from. I asked to know when my money would be returned to me. She said within a couple of weeks. I asked how the person would have been able to take money out fraudulently. She said that thieves are smarter now and that it can happen. I let her know I was not satisfied with that answer and that I will be expecting a call Monday with the details. I have yet to receive any money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have been experiencing repeated failed withdrawals and card declines for several years. I have contacted Cash App multiple times via phone calls, in-app messages, and text messages, without receiving a clear explanation or resolution. My funds remain inaccessible, and customer support has been ineffective and unresponsive. At this point, I no longer trust the company and am formally requesting immediate closure of my account and written confirmation by email. I am seeking regulatory assistance due to the companys ongoing failure to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: OH

Complaint narrative:
A charged-off credit card account reported as XXXX XXXX  appears on my credit report. 

I previously requested verification of this account from a credit reporting company in writing under the Fair Credit Reporting Act. The account was closed prior to the alleged delinquency, which requires manual verification and supporting documentation. 

No documentation has been produced demonstrating : The procedure used to verify the account Any manual verification of a closed account Payment records supporting the reported delinquency A reasonable reinvestigation under FCRA 611 ( a ) Despite the lack of verification, this account continues to be reported on my credit file. I am requesting deletion of this inaccurate and unverifiable account as required under FCRA 611 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: DC

Complaint narrative:
On XX/XX/year>, EXPERIAN received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : XXXX XXXX XXXX Account No. XXXX, opened on XXXX EXPERIAN confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, EXPERIAN continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. EXPERIAN failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, EXPERIAN effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

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