vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Six weeks later after my account was closed by XXXX XXXX ( prior complaint ), I found neither my ATM card nor the online banking app for Citizens Bank would work. I contacted the Branch XXXX at the branch in XXXX XXXX, XXXXXXXX XXXX  who I knew well from years of banking at that branch. She contacted bank corporate management who would not give her a reason for the closure. By chance I learned of the closure several days before I received the notification letter and was able to withdraw the majority of my funds, but left a small amount in to cover upcoming automatic bill payments from the account. In the notification letter the bank informed me they had placed the remaining funds on hold and I would receive a check from them in six weeks.I had been a customer of that bank for 45 years. As mentioned in my previous complaint, the only potential irregularity involving both XXXX XXXX and Citizens Bank was that shortly after I opened the XXXX XXXX I deposited a check through the local branch atm. The funds for one of the checks deposited were placed on hold because I was told it was first deposit to account. After ten days funds were released to my account. After that time I made deposits/withdrawals from XXXX and all interactions with Citizens were OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am submitting a complaint regarding Wise ( formerly XXXX ) due to misleading communication about their guaranteed rate feature. 

When creating a transfer, the app displays an effective rate at the top of the screen ( for example, XXXX XXXX XXXX XXXX XXXX ), which leads users to believe they are receiving the best possible rate. However, as you proceed through the process, the rate actually applied can be lower, and the warning about this only appears at the very last step, in a yellow box with black font at the bottom of the app, right before clicking Send. By this point, users are already misled into thinking they will receive the top rate, and the warning comes too late for them to make an informed choice. There are no prior alerts, notifications, or prominent messages clearly explaining this policy. 

Wise has informed me that the guaranteed rate feature can not be restored for my account. I am submitting this complaint to request that CFPB review whether Wises communication practices regarding this policy comply with consumer protection regulations, as the timing and placement of this warning is misleading to consumers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$6800.00} XXXX. XXXX XXXX {$24000.00} XXXX. XXXX {$3700.00}.

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 2025-12-09 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: AZ

Complaint narrative:
I have been in communication with Nelson and Kennard. I called to discuss it and was told there was a lawsuit filed against me. I told them I never received word and the representative stated they did not send a summons but the case had been filed. I was told the only thing I can do is pay the debt and then I wont be sued after all. I agreed to a payment plan but did not sign the paperwork. I looked at all court records searches that I could find and I am unable to find any lawsuits against me. This was a plain lie and they are trying to trick me into paying more than I even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
My credit report includes accounts that are not mine. I have no connection to these accounts and did not authorize them. I request a thorough investigation and the removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
I am submitting a formal request for reinvestigation regarding the accuracy, completeness, and verifiability of several accounts appearing on my Experian credit file. The information being furnished contains inconsistencies, incomplete reporting, and accuracy violations that must be reviewed under federal law and XXXX data standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$24000.00XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} NXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint because Chime has failed to resolve a clear, undisputed case of fraud involving 68 unauthorized transactions and has now obstructed the process by permanently closing my account while the dispute was still active.

I have been forced through an exhausting and unacceptable cycle of 10 rebuttals for a fraud claim that has all the evidence needed. The initial problem was when I filed the claim it was because my cell phone/license/debit cards/ credit cards was lost/stolen, leading to unauthorized charges with multiple merchants. Two of the three claims were APPROVED. The third claim has been somehow deemed authorized despite the situation and my evidence.

Chime 's handling has been an absolute nightmare. Around the 3rd or 4th rebuttal of the third claim, a representative told me a " system bug '' split my single claim for the 68 transactions into two separate files. This error led to both parts being automatically denied, causing massive and unfair delays.

Inconsistent and Arbitrary Investigation : Chime APPROVED the previous claims in the exact same time frame as the denial, thereby admitting the device was stolen and fraud was occurring. They are violating Regulation E by arbitrarily denying the last claim for 68 transactions in the exact same fraudulent window.

I have repeatedly asked for the official documents and findings that explain why they are ignoring my evidenceincluding the Police Report, the Merchant 's confirmation that the charges were unauthorized, and my phone carrier 's theft notice. I submitted timesheets showing i was at work during the time of all the purchases aswell. Yet they refuse to provide this legally required documentation.

To make this worse, Chime permanently closed my account while in the middle of the 9th rebuttal and as of today XXXX we are on the 10th rebuttal. This is an obvious act of obstruction designed to prevent me from retrieving my money for the 68 transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: DE

Complaint narrative:
I am sending this complaint because I recently reviewed my credit report and discovered several accounts and addresses that are inaccurate, incomplete, or appear to be reported in violation of the Fair Credit Reporting Act ( FCRA ). After carefully going through my file, I realized that this information does not accurately represent my credit history or my personal identifiers, and I am requesting a full reinvestigation. I want to explain clearly and in full detail why the following issues concern me and why, under federal law, they must be corrected or removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX MTG XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Furthermore, I want to note that under FCRA 604 ( a ) ( 3 ), any access or furnishing of my credit information requires a valid permissible purpose. I am requesting that Experian verify and document the permissible purpose for the reporting and sharing of the disputed data associated with the accounts listed above. If any party accessed or reported my information without a legitimate reason under the statute, then that information must be removed from my 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 explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-09 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: TX

Complaint narrative:
This record of late payments is incorrect and does not accurately represent my usual payment history. I have consistently made my payments on time, and I request that it be removed to ensure my account reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Verification of Derogatory Accounts on Equifax and TransUnion To Whom It May Concern, I am writing to file a complaint against Equifax and TransUnion regarding the verification of several derogatory accounts on my credit reports. 
Details of the Complaint : XXXX. Accounts in Question : Equifax : XXXX accounts XXXX XXXX card services XXXX XXXX card services XXXX XXXX card XXXX XXXX CARD SERVICES XXXX TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and are inaccurately reported. 
XXXX. Previous Disputes : - I have previously disputed these accounts with both Equifax and TransUnion. 
- Each time, the bureaus have confirmed the accounts as " verified '' verbally, but they have not provided any written proof or documentation of the verification process.

3. Comparative Outcome : - Experian has already removed these accounts after my disputes, confirming that they do not belong to me.

4. Request for Action : - I am requesting that Equifax and TransUnion provide written documentation of their verification methods.

- I also request that these inaccurate accounts be removed from my credit reports.

- I also have confirmation from Experian that these accounts were removed.

I appreciate your assistance in ensuring that these inaccuracies are corrected promptly. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXXI XXXX Date Opened : XX/XX/year> - Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services incorrectly marked my auto loan as paid in full on XX/XX/2025 and electronically released the lien to the XXXX. ON XX/XX/2025 they issued me a check for {$130.00} for an overpayment on retail account. I never received any notice from XXXX about this error. Because I was unaware, I continued making my monthly payments after XXXX, and Toyota continued accepting them without contacting me. 

In XX/XX/2025, while paying for a new registration, the XXXX told me they needed information from my title. I explained that I had no title because the vehicle was still financed. The XXXX informed me that Toyota had reported the loan as paid off, and they issued me a clean title on XX/XX/2025. 

Only after the XXXX issued the title did Toyota send me a XXXX package on XX/XX/2025, demanding that I sign paperwork to reinstate them as lienholder and return the clean title the XXXX had just issued. This was the first time Toyota acknowledged their XXXX error. 

Toyota failed to notify me of the incorrect paid in full status, continued accepting payments without disclosure, and caused confusion and potential harm related to my title and credit reporting. I am requesting CFPB assistance to correct their reporting, ensure compliance with 15 U.S.C. 1681s-2, and prevent Toyota from forcing me to reinstate a lien caused by their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$5800.00} XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$2100.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX-XXXX - XX/XX/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