vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX I was gas lite about receiving a {$0.00} interest charge on a {$1.00} balance. I asked for a supervisor to called me. i was told that is not possible. I will not be argued with or gas lite about what is happening to my account. I do not appreciate the argumentative customer service i am receiving from Citi

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I filed a fraud dispute with Citizens Bank after unauthorized transactions appeared on my account and caused an overdraft. My phone and entire purse were stolen, giving someone access to my online banking and funds. I reported this immediately and followed all instructions to open a claim. 

Despite this, I never received an email confirmation, written decision, or explanation regarding the outcome. When I called for updates, I was placed on hold over and over, transferred around, and treated rudely. One rep even refused to give me her name. I was eventually told the dispute with Citizens Bank on XX/XX/year>, under claim number XXXX for the amount of {$800.00}. 

I requested documentation, an explanation of the denial, and any email that shouldve been sent confirming the decision. I did not receive an email notification, a formal explanation, or a written denial. When I followed up by phone, I was placed on multiple long holds, transferred repeatedly, and treated rudely by a representative who refused to provide her name.Citizens Bank denied my fraud claim stating the charges resembled normal activity, despite the fact that I reported the card stolen and had no access to my phone or funds at the time the purchases occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : ONEMAIN Date : 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
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$4000.00}

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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX bank in XX/XX/year> Hard inquiry inquired with XXXX XXXX XXXX  on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am filing this complaint against TD Bank, N.A. ( issuer of XXXX XXXX ) for inaccurate and unfair credit reporting. My account was marked 30 and 60 days late due to an autopay system failure when my bank account changed routing numbers. The account was paid in full. I contacted customer service multiple times and was disconnected during escalations to the credit reporting department. Reps have since denied the existence of that department and refused to escalate, despite earlier indications of willingness to help. I am requesting removal of the late-payment notations as a goodwill adjustment due to proven system error and good customer history. I have documentation and prior call logs showing this was already in process before the call was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian, Equifax, Transunion and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed XXXX accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
My Binance US account is locked on the first of XX/XX/year>. I regularly access my account, but I got an error on that day that the account is locked for security reasons. I contacted their support team immediately, with ticket number # XXXX. The support team analyzed the case and said there is a different department that needs to investigate and they are escalating to this account. Days passed and I regularly checked the ticket status, the support team provided no explanation and no reason for the lock. There was no progress for days. I then created another ticket on web browser, which I dont have a ticket number. The support team in that chat informed me the account is locked but it is locked for no reason and my balance is safe and secure and it should be unlocked but an internal team needs to do this. I waited for more days but no progress happened. When I asked the status in the second ticket I got similar responses and also additionally they informed me the following : And also, the reason why the case has been submitted to the other department is that the internal support group that I was referring to is a general escalations kind of department and the group that the case has been submitted to is a specific department that handles this type of concern, which is unlocking the locked account. I understand that the initial escalation was wrong, and now its escalated to the correct department. But again, its been days over this response and still my account is not locked. 

I believe it should be against the terms and conditions that they keep an account locked for this extended period. I dont know if I will be able to access my account, its been XXXX days I can not access my funds, I can not withdraw or I have no idea what will be their reaction. They have taken my funds as hostage, I can provide them any proof that XXXX the owner of the account. 

Addition info, I have all security measures in place, my login is protected by password, XXXX authentication, any transfer need a second email validation etc.. I have about $ XXXX investment in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I had XXXX different credit cards ( store ) with Comenity Bank that I had paid off on XX/XX/XXXX on the Bank 's website. I used the Bank 's site to get the most accurate and updated figures. XXXX weeks later, I was notified by XXXX store that I was past due for {$8.00} for finance charges. That has now grown to {$120.00}. A month later, the second store notified me and informed me that I owe {$47.00} in finance and late charges. The store credit was paid off 5 days after the due date. I have refused to pay additional charges when I had paid {$450.00} to the first card and {$840.00} to the second. Since that time, they currently are calling me an average of 5 times a day, EVERY DAY, beginning at XXXX XXXX  up until XXXX XXXX. Both balances are growing monthly and there was never an indication of a late charge on the second. I continue to get monthly statements from the first store ( XXXX XXXX  ), but have not received a statement from the second card ( XXXX XXXX ) since XXXX, XXXX. All of these charges have accrued since the date of pay offs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to close a Citi Advantage account. They put me in touch with someone who can't speak english and gave me a run-around and hoops to jump through. I told them to close my account because I'm Retired and don't fly anymore. This is 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I am filing this complaint because Challenge Financial Services is reporting two conflicting accounts on my credit report for the same auto loan, and I am requesting removal of the negative account. 

Here are the details : Positive account : Account number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed/Never late Original balance : {$6400.00} Status updated : XX/XX/XXXX On record until : XX/XX/XXXX Negative account : Account number : XXXX Date opened : XX/XX/XXXX Status : Account charged off. {$5600.00} written off. {$13000.00} past due as of XX/XX/XXXX Original balance : {$6400.00} Status updated : XX/XX/XXXX Balance updated : XX/XX/XXXX On record until : XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX ; Repossession as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX ; 30 days past due as of XX/XX/XXXX These two accounts are for the same auto loan purchased in XXXX. I only had the vehicle for a short time before it was voluntarily surrendered because it was a lemon with constant mechanical issues. I stopped paying on it because it was returned. It was a financial burden as it was not running, I was not using it and I called them to come pick it up. They sold me a useless product. 

It makes no sense to have one account showing as Paid, Closed/Never late and another showing as charged off with a balance of {$13000.00} which is more than double the original amount of {$6400.00}. Their dates are all over the place and do not add up. For example, the negative account shows a repossession in XX/XX/XXXX, but I recall it being even sooner than that. It also shows a balance updated in XX/XX/XXXX, and a status update from XX/XX/XXXX. The reporting is inconsistent and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief