vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to respectfully request a one-time goodwill adjustment regarding a late payment reported on my Best Buy credit card account. 

On XX/XX/year>, my account was flagged as 30 days past due. The following day, XX/XX/year>, my FICO score dropped by 30 points as a result of this reporting. Shortly after I contacted Citi, the late payment was removed, and on XX/XX/year>, my score increased by XXXX points. However, on XX/XX/year>, the late payment reappeared, causing my score to drop by another XXXX points. This removal and subsequent reappearance occurred without any written notice to me, as required under the Fair Credit Reporting Act. Attached is my score change history showing both the removal and the reinsertion. 

This late payment occurred while I was overseas and hospitalized after being the victim of a violent assault that left me severely injured. This traumatic and unforeseeable event made it impossible for me to access my accounts or arrange payment before the due date. As soon as I was physically able, I immediately brought my account current. This was an isolated incident, and I have otherwise maintained a consistent record of on-time payments throughout my history with Citi. 

I take my credit obligations seriously and have been a loyal Citi customer for several years. I am happy to provide any documentation you require, including medical records, police reports, and travel documentation, to verify my circumstances. 

Given the extraordinary nature of this situation, the fact that Citi has already shown this item can be removed, and my otherwise strong payment history, I am respectfully requesting that you again remove the late payment from my credit reports with all three major credit bureaus as a one-time courtesy. 

Thank you for taking the time to review my request. I value my relationship with Citi and look forward to your favorable consideration. 

Sincerely, XXXX XXXX Account Ending in : 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 2025-08-19 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:
This item does not portray my payment history correctly and seems inaccurate. I request a detailed review and correction.

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 2025-08-19 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: GA

Complaint narrative:
All XXXX XXXX debt collections should be off my credit report. They are apart of identity theft and also I didnt give permission for my information to be sold or reported. My information was also involved in a data breach. I will have attachments below of my identity theft report and data breach message.

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 2025-08-19 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-19 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-19 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: TX

Complaint narrative:
I saw that the inaccurate account is still appearing on my credit report, and they have not been deleted. Because of this, I am requesting that the documents I submitted be carefully reviewed so that I can stop worrying about this matter once and for all.

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 2025-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had a paypal account, which I opened for the sake of working with international clients from as I am from XXXX. As a XXXX  XXXX, it is the option most opted for, thus why I used it. However, back in XXXX, they restricted my account even after sending countless documents to prove I am real. I submitted a complaint in which I got my account back in XXXX and fixed the specified errors. However, on XXXX XXXX, they restricted my account once more. This saddened me for the following reasons : I lost customers since they did not want someone with a confusing payment issue I have XXXX dollars which was meant for family that I can not access They charged XXXX dollars on my bank card saying it was to prove my account was real and I would be refunded yet four days to the 30 day time limit they restricted my account and I have not been refunded. 
This time there was no reasons or warnings given they just restricted my account I am a struggling XXXX and this has hurt not only me but the people who rely on me. I submitted every document and yet they kept my money. 
This is my final hope, and I hope I can be assisted. 
Thank you so much for your patience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I had my unlocked phone stolen in NY and Coinbase breached their duty as a financial services company to apply basic fraud controls, resulting in over XXXX XXXXXXXX of XXXX to be stolen within an hour. 

FAILURE TO APPLY STANDARD FRAUD CONTROLS The activity on my account clearly violated basic, industry-standard fraud detection protocols : Velocity checks : 16 transactions in rapid succession ( less than 1 hour ). I've never sent more than 2 in a single day.

Amount flags : Significantly larger values than my typical usage ( every one of 16 transactions exceeded the maximum amount I've ever transferred ) Duplicate amount detection : Identical amounts sent multiple times ( 12 transactions of exactly {$2500.00} within 1 hour ).

Historical behavioral deviation : Ive never sent more than {$1000.00} or more than two transfers in a day Geolocation/IP anomaly : Never transacted before in NY These transactions would have triggered intervention or step-up authentication on
any secure, modern platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
3rd request for information. 


This fraudulent debt is 100 % disputed pursuant to FCRA, FDCPA and CITA. All responses from Hunt and Henrique will be printed out and used as evidence should I be illegally sued in court for debt that I do not owe. I have evidence that XXXX XXXX, XXXX XXXX, XXXX, and XXXX have all investigated this fraud account, concluded that it is a result of identity theft and is valid. XXXX  is currently being sued for not only false reporting, but mixing my consumer file with relatives and previous tenants that I've shared old addresses with in the past. Also merging my credit report with another consumer who has the same name. XXXX XXXX has been provided evidence that my personal information has been breached in the XXXX  data breach as well as the XXXX data breach. I also provided them evidence of my personal information being listed on the black market. I have evidence via a documented CFPB complaint in XXXX of XXXX  that I provided them with this evidence. As stated before I am not making any threats to sue Hunt & Henrique for violations of the FDCPA, the Rosenthal Act along with several other claims, it's a factual promise that they will be sued for willful negligence and damages. I am requesting the following information for my personal records to aid me in my current complaint with the California Attorney Generals Office. Also to file a complaint with the Department of Financial Protection & Innovation and the office of Chief Trial Counsel within the state bar. 

1. Specifically answer if you're a third party debt collection agency or a law office/firm? 
2. Specifically state the name of the attorney? threats to sue Hunt & Henrique for violations of the FDCPA, the Rosenthal Act along with several other claims, it's a promise. I am requesting the following information for my records and to aid me in my current complaint with the California Attorney Generals Office and to file a complaint with the Department of financial Protection & Innovation and the office of Chief Trial Counsel within the state bar. 

1. Specifically answer if you're a debt collection agency or a law office?

2. Specifically state the name of the attorney and the attorneys state bar number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I prepaid {$670.00} for the XXXX XXXX on XX/XX/XXXX for an upcoming work trip to XXXX. I used my company 's third-party booking software, which uses XXXX to book the hotel. 

After I checked out of the hotel, I was charged an additional {$610.00} on XX/XX/XXXX. When I called the hotel to verify what this charge was, they could not provide me any information or documentation on what the charge was for. They sent me my check-out receipt and it showed I owed them {$0.00}. 

I then opened a dispute with Barclays for the {$610.00} additional charge to my account. They " investigated '' and then ruled in the favor of the hotel due to " evidence '' that was sent over. However, the evidence of services rendered for {$610.00} had the INCORRECT name of XXXX XXXX XXXX from XXXX, XXXX. The letter from the hotel also stated that the Dispute notification was for XXXX XXXX XXXX, not me. However, Barclays took this as evidence that services were rendered to ME for the {$610.00}. 

Barclays has been so incompetent and unhelpful throughout the entire process. They clearly did not read the " Evidence '' provided to them by the hotel, because if they had they would see it proves the {$610.00} charge was meant for 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 2025-08-19 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: MA

Complaint narrative:
I am filing this complaint against the three nationwide credit reporting agencies- Experian, Equifax, and TransUnion - for willful violations of the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq. These agencies are reporting inaccurate, unauthorized, and unverifiable information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I received credit with this company recently and I opened up an email saying to review my statement. When I did so I saw many charges that I did not make, many not even in my own town, a few were but I locked the card and called to make the dispute and get a new card issued. I also filed a police report and gave them the police report number. I was just informed that they were denying the claim for reasons that make no sense. I have contacted other credit cards that were lost/stolen and have had NO issues. This is not ok and need help resolving this. Their reasons for the dispute is the following : This email is to inform you that we have resolved your dispute. Unfortunately, we had to decline the dispute for the following reason ( s ) : Previous history with merchants - I never used this card and merchants were in Utah mostly Account activity does not align with usual fraud patterns. 
We found no aggressive activities on the card after it was blocked. 

I would like to know how they determined that I was responsible. The reasons are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MA

Complaint narrative:
I am filing this formal complaint against Equifax for failing to properly verify and remove fraudulent accounts and inquiries from my consumer credit report, despite clear evidence of identity theft and fraud. 
Specifically, the fraudulent account includes : XXXX XXXX Acct # XXXX ( currently reported as a charge-off ) I did not open, authorize, or consent to this account or any related inquiries. These entries are the direct result of identity theft. The continued reporting of this fraudulent account has negatively impacted my credit score, financial standing, and personal reputation. 
Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block fraudulent accounts and inquiries within four business days of receiving proper notice of identity theft. I have submitted sufficient documentation, including my FTC Identity Theft Report, which substantiates my claim. Despite this, Equifax has failed to act in compliance with the law. 
In addition, under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Equifax is required to conduct a reasonable reinvestigation of disputed information. Equifax has not fulfilled this obligation. Further, under FCRA 1681i ( a ) ( 3 ) ( A ), Equifax must provide account validationsuch as a signed application or contractlinking me to this account. No such validation has ever been provided. 
Equifaxs refusal to investigate properly or block this fraudulent account is a violation of federal law and has caused me both financial harm ( credit denials, higher costs of credit ) and emotional harm ( stress and reputational damage ). 
I am therefore demanding that Equifax immediately : Block and permanently delete the fraudulent XXXX XXXX account, along with any related collections and inquiries. 
Provide written confirmation of the resolution. 
Issue an updated copy of my credit report reflecting the deletions. 
If Equifax fails to comply within the time required by the FCRA, I will pursue additional remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, as well as seeking statutory damages under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to escalate an issue regarding two stale-dated checks originally issued to me by Citi around XXXX. On XX/XX/XXXX, I received a notice from Citi reminding me of two outstanding checks : - Check # 1 : {$780.00} ( after taxes : {$630.00} ) - Check # 2 : {$340.00} ( after taxes : {$270.00} ) After updating my address and following all instructions provided by Citi representatives, only one of the two checks was ever received. I was told by multiple agents ( at least 11 documented calls ) that both checks were still outstanding and would be reissued. 
Eventually, I was told that the first check for {$780.00} had supposedly been cashed- but no proof can be provided due to the age of the check. As these funds relate to my XXXX retirement account, I reserve the right to file a formal complaint with the U.S Department of Labor under ERISA. If this issue is not resolved and proof of payment. This is unacceptable, especially since : - Citi initiated contact acknowledging the check was still outstanding. 
- Citi reissued and attempted to deposit the check. 
- Citi now states it was cashed yet refuses to provide any proof or documentation. 
I am requesting the following : 1. Written confirmation of when and where the check was allegedly cashed. 
2. A scanned copy of the endorsed check as proof. 
3. An explanation for the lack of transparency after multiple confirmations of the check being outstanding. 
If I do not receive a response or proof within 10 business days, I will file complaints with : - The Consumer Financial Protection Bureau ( CFPB ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Colorados Department of Labor This issue has dragged on long enough. Please respond with documented proof, not just verbal reassurances.

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