vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America credit card number was apparently stolen and used for repeated purchases with XXXX starting last XXXX, XXXX. I, and all the approved cardholders, moved to the XXXX in XXXX, XXXX, and were charging to those cards here at the same time, as XXXX  charges were being made in the XXXX, often several times a day and in locations I've never been. 
I admittedly didn't pay close attention to the charges when the statements were sent, as suspicious charges are normally flagged for confirmation, and no alerts had been raised. The same card 's use in two countries on the same day should have been an obvious trigger for fraud detection. The bank is now using the fact I paid those statements for some months before reporting the issue as reason to deny crediting many of the charges, which total over {$4000.00}. I have attempted repeatedly to appeal this decision with the representatives I've spoken too completely agreeing I'm right, but the decision has not been changed.

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 2025-11-30 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: IL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-11-30 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: Chime Financial Inc
State: PA

Complaint narrative:
Chime denied reimbursement for clearly unauthorized electronic transfers in violation of Regulation E. My account was compromised, my phone number and login were changed without permission, and funds were transferred to a stranger. I filed a police report confirming theft. Chime ignored this evidence and only evaluated their own internal transaction logs before denying my claim. 
I also wan na state that since XX/XX/year> to XX/XX/year>. I have disputed these transactions with chime directly over the phone five separate times doing my absolute best to upload more supporting evidence and talking with chime supervisors to remedy the issue however, each dispute claim was denied within 72 hours of reopening the claim. 

Details : XX/XX/XXXX, XXXX PM XXXX AM Account compromise began unauthorized password & phone number changes reported XXXX XXXX XXXX  XXXX Unauthorized actor gains access ; account settings altered without consent XX/XX/XXXX, XXXX AM XXXX AM XXXX rapid Pay Anyone transfers. 
Funds sent to $ XXXX XXXX XXXX  ) total {$520.00} stolen XX/XX/XXXX, XXXX AM ( XXXX call ) Fraud immediately reported to Chime Chime only reset my password they did NOT freeze my card or my account XX/XX/year> Police report filed ( # XXXX ) confirming theft & unauthorized access Evidence and screenshots supplied to law enforcement and Chime XX/XX/year> Chime requests documents to support dispute I fully complied and submitted requested evidence XX/XX/year> Dispute denied despite overwhelming proof of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
I'VE BEEN ASKING FOR A DEBT VALIDATION LETTER. I'VE BEEN GETTING NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
My son was enrolled in a program called XXXX. Since he was a minor, I took out a loan under my name in XX/XX/2025 with Climb Credit. In XXXX XXXX we were notified by email that the school closed and we were required to contact the lender to discuss the loan. I contacted the lender and they said they could not do anything and we were still responsible for paying for a loan even without services provided by the school, if the school did not repay the loan. I arranged a reduction in payment until we could resolve this issue of {$50.00} per month and the lender continued to charge the full cost of the loan which was {$260.00}. The current loan balance is {$10000.00}. I just want them to dispose of this loan ASAP since the school is no longer in business. Apparently this is a wide spread scam that has affected many people and we can not afford to absorb this kind of debt. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: AZ

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, must allow at least 21 days between the statement date and the payment due 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 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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
I opened the business account with Wise for to pay supplier directly. On date XX/XX/year> they closed it asking for verification of ID and further invoices. I provided everything yet it closed. They didn't provide any reason. I need this account back as I have to pay supplier directly through it. This was best and convinient way to work yet got closed just in Three days. I have business of e-commerce wholesale. I have to buy bulk and pay them directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Klarna AB
State: NY

Complaint narrative:
I am unable to access my funds through Klarna due to an identity verification failure on their system. I have repeatedly attempted to complete the verification, but the system continues to reject it without explanation. 

Additionally, a refund that should have been returned to me has been pending for more than 20 days, and Klarna has not released the funds or provided an estimated date of resolution. 

I contacted Klarna multiple times through their customer support channels between [ insert approximate dates here ], requesting information about the verification issue, the status of my refund, and why I can not access my funds. Klarna has not responded or provided any meaningful assistance. 

Because of this lack of response and withholding of funds, I am unable to access money that belongs to me and have no information about when or if the issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Balance : {$1500.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-30 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-30 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: NY

Complaint narrative:
I held two Citi XXXX XXXX credit cards, both opened in XX/XX/year>. Each account was charged a {$590.00} annual fee at opening. On XX/XX/year>, Citi closed both accounts without any prior notice or clear explanation.

I contacted Citi customer service and was told that no refund of the annual fees would be provided, even though the accounts were open for less than three months. This means Citi has retained nearly {$1200.00} in annual fees for accounts that are now terminated and can not be used, providing me with no value for the remaining nine months of the fee period. 

In addition, one of the closed cards ending in XXXX included a {$200.00} XXXX XXXX benefit that could be used for eligible purchases such as Best Buy. I made a qualifying Best Buy purchase on XX/XX/year> XXXX day before the account was closed but the {$200.00} credit was never applied. 

I understand that Citi may choose to close my accounts, but it is unfair and unreasonable to ( 1 ) keep a full years annual fee when the account was active for only about two months, and ( 2 ) deny a benefit that I rightfully earned through a purchase made before closure. Citi representatives have been dismissive and unwilling to offer any explanation or refund.

I am submitting this complaint because I believe Citis actions are inconsistent with fair billing practices and good-faith consumer treatment.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX, I called a call from XXXX, referring to themselves as Citi Bank. The caller identified himself as an employee of Citi Bank and said that someone had used my name and issued a credit card to purchase a XXXX  worth around {$9700.00} dollars. Due to this event, the employee had no other choice but to report this to the FBI for a thorough investigation and that they would refer me to the FBI field office internal emergency complaint channel. The employee referred to a FBI agent, XXXX XXXX, where he identified that my name was apart of money laundering crime and that I was under an investigation. They linked me through XXXX XXXX  and video investigated me asking me to give up my driver license, passport, airline ID and pilot license information. They asked me more detailed questions in regard to my finances through an additional phone call. I complied because they referred that such information was needed for this money laundering investigation that involved XXXX XXXX dollars. The prime suspect was XXXX XXXX and XXXX people were involved. They told me everything I said was confidential and made me sign a confidential waiver clause. At the end they told me they would call me sometime next week. Suspicious I looked this up online and it seemed like a scam. Afterwards, I called Citi Bank and told me that they never made such a call and I froze my credit card. I also freezed my credit with XXXX, and the other credit score companies.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
I applied to a job at XXXX in XXXX, and XXXX 's ordered a background check on XX/XX/XXXX. The background check came back completed on XX/XX/XXXX. I've had issues in the past whenever I apply for jobs and a background check is completed because it lists an inaccurate record. That record shows that I had a felony or misdemeanor from the Oklahoma XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the case date is listed as XX/XX/XXXX. The case file is XXXX and before this my background check would also list a different inaccurate charge from the XXXX XXXX XXXX XXXX XXXX XXXX  State of Oklahoma which that case number is XXXX. I've looked at the official court documents of these cases and the individual charged for both of them has the same first name, last name, and birthday as myself. I have never been to jail or have been in trouble with the law besides minor speeding tickets. These inaccurate findings on multiple background check reports have made it very difficult for me to receive employment. The company that most recently conducted my background check is First Advantage. I've been able to prove myself to the companies that I applied to for the jobs by providing the court documents that list the other individual 's last four of the social security and show that the person that was charged was not me and it makes no sense why the background check even shows that I have been convicted of a crime I did not commit. I submitted a request for documents for this new case file that showed up on my report with the XXXX XXXX court clerk to receive more information about the individual that was actually charged, I am still waiting for the wheels of bureaucracy to turn to receive those documents that show clear evidence of the different last four social security numbers that were charged with the crime. Attached below is a page from the background check that shows a charge that was not mine and someone else with the same first and last name and same date of birth. Also attached below is a court document that I received to prove that I was not charged with a DUI when I got hired to work on a military base because their background check pinged that I committed a felony with that case number in the document. So I had to find the casefile and find this document that clearly shows a difference in last four numbers of the social security and obviously mine are different than the person who was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
Ive disputed these collection accounts several times and asked the company to send me proper validation. I never received any of the documents I requestedno signed contract, no agreement with my signature, no proof of the amount they claim I owe, and no real verification at all. 

While I was disputing everything, I also asked them to stop contacting me, and they continued to reach out anyway. That goes against FDCPA 805 ( c, which clearly says theyre supposed to stop communication once requested. 

So at this point, Ive done everything on my end, but the company hasnt provided anything to support what theyre reporting. They didnt validate the debt, they didnt respect my request for no contact, and they didnt show any sign of doing a proper investigation. Yet the account is still sitting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: VA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, and TransUnion. These violations involve incorrect reporting, false verification, duplicate reporting, reinsertion without notice, and failure to conduct proper dispute investigations. 
EQUIFAX VIOLATIONS : Equifax is reporting two separate XXXX XXXX XXXX accounts that represent the same obligation, which is a violation of FCRA 602 and 607 ( b ) requiring maximum possible accuracy.

Equifax marked my dispute as " frivolous '' without providing any legally required explanation or identifying missing information, violating FCRA 611 ( a ) ( 3 ).

Equifax verified inaccurate information without conducting a reasonable investigation, violating 611 ( a ) ( 1 ).

Equifax reinserted or recreated the inaccurate account without providing the mandatory 5-day reinsertion notice, violating 611 ( a ) ( 5 ) ( B ). 
EXPERIAN VIOLATIONS : Experian is reporting the XXXX account with conflicting and impossible statuses, including " open, '' " charged off, '' and " potentially negative, '' all while showing a full active balance. An account can not be open and charged off simultaneously. This violates FCRA 602 and 607 ( b ).

Experian claimed the account was " accurately reporting '' despite clear inconsistencies, violating FCRA 611. 
TRANSUNION VIOLATIONS : TransUnion is reporting the XXXX account as an open auto loan with an active balance, even though the same account is reported differently by other bureaus. This violates FCRA 602.

TransUnion failed to correct or fully investigate the dispute, violating FCRA 611.

TransUnion failed to ensure maximum possible accuracy under FCRA 607 ( b ).

These violations have caused harm including credit denials, inaccurate credit standing, reputational damage, emotional distress, and difficulty obtaining financial opportunities.

Company response to consumer: Closed with explanation