vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple inaccurate, unverified, and improperly reported negative accounts and derogatory items. These issues violate several sections of the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), 611, and 623. 

According to my recent report dated XX/XX/XXXX, Experian is reporting a number of accounts as charge-offs or collections that are either inaccurate, unverifiable, or associated with identity theft. These include : A {$2100.00} collection reported by XXXX XXXX XXXX ( original creditor : XXXX ) A {$940.00} collection reported by XXXX XXXX  ( original creditor : XXXX  ) Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX and XXXX XXXX Multiple late payment histories across several accounts , including XXXX XXXX XXXX, XXXX, and XXXX delinquencies A XXXX XXXX bankruptcy, filed XX/XX/XXXX, which may be inaccurately reported or associated with wrong information I disputed these items directly with Experian, and Experian responded by marking some items as verified without providing any form of documentation. Experian did not provide copies of original contracts, applications, signatures, IP logs, account records, or any evidence proving the accuracy or ownership of these accounts, as required under FCRA 609 ( a ) ( 1 ), 611, and 623 ( b ).

Several of these accounts are the result of identity theft or mixed-file issues, and Experian failed to block or investigate them properly under FCRA 605B. Experian also failed to conduct a reasonable reinvestigation, as required by FCRA 611, and did not provide the records I requested under FCRA 609 ( e ).

The inaccurate reporting has caused financial and emotional harm, including denial of credit, increased interest rates, and damage to my credit standing. 

I am seeking CFPB assistance because Experian has not corrected these errors despite multiple disputes and has continued to report information that is inaccurate and can not be verified.

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 2025-12-07 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:
After reviewing my credit report, I discovered accounts that I did not recognize that were applied for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 USC 1682 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent ant further harm to my financial well-being. I am requesting that these fraudulent accounts be removed from my credit report as soon as possible. 

Fraudulent Account : The XXXX XXXX Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a cashiers check that I believed was legitimate. I deposited it at my bank, and they placed a hold on the funds. I waited four full business days for the hold to expire. Once the hold ended, the bank released the funds into my account and showed them as fully available. 

Because the bank confirmed the funds were available, I relied on that information and made several payments using the released funds. These payments were only made because the bank showed the money as cleared. 

At the end of the fourth day, the bank informed me that the cashiers check was fraudulent. After this, the bank reversed several of the payments that had already been sent out and is now demanding that I repay the money even though the bank was the one that cleared and released the funds. 

Following this, the bank froze my account and placed it under fraud investigation. I currently can not access my money, can not make payments, and have been given no clear resolution or support despite acting entirely in good faith. 

This situation has caused significant financial hardship. I followed the banks procedures, waited the required number of days, used the funds only after they were released, and relied on the banks confirmation that the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank charged me late fees for payments that failed because my previous bank account at XXXX was frozen due to fraudulent activity. My autopay with Citibank was set up correctly, but the XXXX account was blocked because of the fraud, so the payments could not be processed. 

As soon as I discovered the issue, I brought my Citibank account current and paid the full balance. 

During a previous call, a Citibank supervisor specifically requested a letter from XXXX explaining the fraud situation in order to remove the late fees. I prepared the documentation as instructed, but when I attempted to submit it, another supervisor told me there was no record of any such request and refused to accept the letters. 

This shows contradictory instructions and inconsistent handling of my case by Citibank. I followed exactly what the bank told me to do, but Citibank rejected my evidence and provided no solution. 

The late payments were not due to negligence on my part, but were a direct result of the fraud on my XXXX account and the account freeze, which were completely outside of my control. 

I am requesting that the late fees be removed and the associated charges corrected, as they were caused by a fraud-related event and by inconsistent instructions from Citibank representatives .

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 2025-12-07 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: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I am filing this complaint because Klima , Peters & Daly , P.A . sent me a letter dated XX/XX/2025, claiming that a legal judgment was entered against me on XX/XX/2025 in the XXXX XXXX XXXX XXXX XXXX under case number XXXX. The letter also states that they intend to enforce this alleged judgment through garnishment. 

Upon receiving the letter, I immediately searched the XXXX  XXXX XXXX XXXX XXXX, including the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, by both case number and my name ( XXXX XXXX ). I also checked civil records and judgment records. 
No such case number exists, and no judgment exists in my name. 

The firm appears to be misrepresenting the legal status of the debt by claiming that a judgment was issued when there is no record of any court case, docket, service, or judgment. This is deeply concerning and may indicate violations of the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt 15 U.S.C. 1692e ( 5 ) Threatening to take action that can not legally be taken 15 U.S.C. 1692e ( 10 ) Use of deceptive means to collect a debt 15 U.S.C. 1692g Failure to provide proper validation of the debt At no point have I received any court summons, service of process, or notice of a lawsuit. If a lawsuit had occurred, it would appear in the courts database. It does not. 

I believe the firm is attempting to pressure me into payment by falsely claiming the existence of a judgment and the threat of garnishment. 

I am requesting that the CFPB investigate this matter, ensure that Klima, Peters & Daly provide : 1. Proof of any actual court judgment 2. Proof of service 3. Proof of their authority to collect 4. Validation of the debt as required by law 5. Correction of any false or misleading information I also request that the firm cease all collection attempts until proper documentation is provided. 

Thank you for your assistance. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Revolut Technologies Inc.
State: IA

Complaint narrative:
Issue : Dispute handling / chargeback transparency / failure to provide required information I am filing a complaint against Revolut regarding the handling of a debit-card chargeback dispute and their refusal to provide information necessary to understand or contest the merchants claim.

I purchased an item on XX/XX/year> that was never delivered. The merchant admitted in writing that they were closing down and promised a refund. The merchant initiated a refund, then canceled it, and is now disputing my chargeback. I provided Revolut with all evidence, including the merchants emails. 

Revolut has repeatedly refused to disclose the merchants stated reason for disputing my claim, even though this information directly concerns my transaction and materially affects my ability to respond to the dispute. They will not provide any regulatory or legal basis for withholding this information. Support staff stated they can not provide the merchants dispute explanation and will not address my formal complaint until after the chargeback completes. This effectively blocks me from understanding how Revolut is evaluating my dispute and prevents meaningful participation in the process.

Revoluts refusal to provide the merchants rebuttal, its failure to explain the basis for withholding it, and its delay in addressing my formal complaint appear inconsistent with fair consumer-dispute handling standards and the principles of transparency expected under U.S. consumer-protection law, including Regulation E. Revolut is preventing me from understanding or contesting the merchants claims, despite the merchant admitting they failed to deliver the product.

All conversations on on their app via text messages.

Requested resolution : Provide the merchants dispute explanation and any evidence the merchant submitted.

Explain the legal or regulatory basis ( if any ) for withholding this information from me.

Ensure my dispute is handled fairly, transparently, and without unnecessary delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NJ

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) XXXX  XXXX XXXX XXXX : {$1100.00} Date XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} Date XXXX XXXX ) XXXX XXXX  Amount : {$1800.00} Date XXXX XXXX ) XXXX XXXX Amount : {$1800.00} Date XXXX XXXX ) XXXX Amount : {$21000.00} Date XXXX XXXX ) XXXX XXXX Amount : {$42000.00} Date XXXX Incorrect Names Listed : XXXX ) XXXX XXXX XXXX Addresses listed : 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 2025-12-07 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: DISCOVER BANK
State: HI

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed i had a fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit. 

DISCOVER XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX and the credit reporting agencies are reporting a timeshare account that I did not open and did not authorize. This account does not belong to me, and it was created as a result of identity theft. 

I have repeatedly disputed this XXXXXXXX XXXX account with the credit bureaus and made it clear that I have no relationship with this company, have never signed any documents, and never purchased any timeshare. Despite this, the account is still being reported. This is a violation of my rights under FCRA 609, 611, and 605B, which require proper investigation, verification, and removal of fraudulent information once identity theft is documented. 

XXXX XXXX has not provided any valid contract, signature, or evidence linking me to the alleged account. The credit bureaus also failed to provide a proper Method of Verification under FCRA 611 ( a ) ( 7 ). This situation has caused financial harm, emotional stress, and damage to my creditworthiness.

I am requesting that this matter be fully investigated and that immediate corrective action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At the end of XXXX, I received a letter from the bank stating that my account would be closed on XX/XX/XXXX. I immediately contacted the Fraud and Prevention Department, and they informed me that the closure date had been postponed to XXXX XXXXSince that time, I have continuously received updated closure dates for both of my accounts, each time being postponed again. The most recent date given for the closure is now XXXX XXXXTherefore, the bank is holding my closing balance and preventing me from releasing it.

Throughout this process, the bank has not provided any explanation for the account closures or informed me of any specific issues, and no transactions or amounts have been identified to me as problematic. 

Please not that I have filled a previous complaint in XXXX XXXX, with Complaint ID XXXX, and up to this date the bank hasn't responded it yet. 

For these reasons, I am requesting the immediate closure of both accounts and the prompt release of all funds associated with them.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
Disputed online and informed the credit reporting companies that inaccurate information is being furnished such as ; different versions of my name, addresses and phone numbers that are not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
Disputed online and informed the credit reporting companies that inaccurate information is being furnished such as ; different versions of my name, addresses and phone numbers that are not associated with 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 explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
I was not sent written notice of this {$10.00} maintenance fee starting XX/XX/year>. The only reason I noticed was by looking into why my balance was over the limit. Also when paying on the day payment ( before XXXX ) I have received late fees and the payment is saying I made it 2 days later then when I did. Also had an 6 th month ordeal trying to get my phone number changed so I could use my online account. If either the annual fee is waived or the {$10.00} a month is waived I will not keep the card. That is {$120.00} and {$120.00} a year for your card. Not worth it.

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 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
The business issues a store card under the Tempur-Pedic brand name. 
On XXXX XXXX, the business sent me an email link to provide identity verification information. The extremely sensitive information that was sent included a copy of my United States Passport and my Social Security card. As of this writing, the business never acknowledged nor fixed the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation