vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.

Complaint narrative:
I have been living XXXX for the past 9 years and have had limited need for regular U.S.-based banking services. I kept my Citibank account open with the intention of returning to the U.S. and maintained a minimum balance. 

At the same time, Ive continued to maintain a U.S. account with another bank without any issues. They allow me to keep the account open without monthly fees as long as I meet the minimum balance requirement which Ive done consistently. 

My Citibank account was locked due to inactivity. I was instructed to submit a notarized document to restore access. Unfortunately, getting a notary appointment at the U.S. XXXX  in XXXX was difficult due to very limited availability. After multiple delays, I had to hire a private notary and pay XXXXXXXX mailing costs all at my own expense just to meet Citibanks requirements. Citibank had also closed its consumer banking operations where I live a few years ago, so I had no access to local support. 

During this period, I had absolutely no access to my account and could not even close it to avoid fees. Despite this, Citibank charged me {$15.00} per month for six months totaling {$90.00} in service fees. 

Eventually, Citibank refunded {$30.00} as a courtesy but refused to reimburse the remaining {$60.00}. I was told the refund was capped and not subject to further review. 

I believe this is unfair. I was charged for a service I could not use. This experience has been frustrating and disappointing especially considering that I tried to maintain the account from abroad. 

While I do intend to close my Citibank account following this experience, I strongly believe the issue should be addressed and resolved fairly before I do so.

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 2025-05-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo Bank debit card was lost and stolen, My deposit in Wells Fargo Bank was stolen. I request Wells Fargo Bank to return the stolen funds to me. The total amount is : {$2600.00} USD. 
Thank you.

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 2025-05-23 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened 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 2025-05-23 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: NJ

Complaint narrative:
In accordance with the credit fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act.

I look at my report from XXXX on XXXX XXXX2025 and I noticed some things are not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general after investing In accordance with the credit fair reporting act. The list of accounts below has vviolated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act.

I look at my report from XXXX on XXXX XXXX2025 and I noticed some things are not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general.

Please delete the old credit cards information which has a bad impact on my credit report and multi violation on my report. 
Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US department of EDU Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was paid off also DELETE THE BELOW address : XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports from XXXX XXXX XXXX Equifax all show late payments reported on my XXXX XXXX XXXX loan account ending in XXXX. I dispute the accuracy of these late payment entries, as they do not reflect my actual payment history with this account. The reported late payments appear to be either erroneous or incorrectly attributed, causing significant damage to my credit score and financial reputation. These inaccuracies are troubling as I have always made payments on time or within any allowed grace periods. The presence of such misleading information is unjust and negatively impacts my ability to obtain fair credit offers, resulting in financial and emotional distress.

Furthermore, I am concerned that these late payment inaccuracies may stem from a potential data breach or errors in the reporting process, which calls for an immediate and thorough investigation by each credit bureau. Under 15 U.S.C. 1681i, each bureau is legally obligated to conduct a complete and reasonable reinvestigation of disputed information within 30 days. Failure to do so not only violates the Fair Credit Reporting Act ( FCRA ) but also inflicts ongoing harm to my creditworthiness, which is both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-23 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:
Issue : Charge-off with prolonged reporting and questionable accuracy Status : Account closed XX/XX/XXXX Still reported monthly as " XXXX '' through XXXX Balance : {$140.00} Violations : FCRA 1681s-2 ( a ) ( 1 ), 1681i ( a ) ( 5 ), 1681e ( b ), FDCPA 809 ( b )

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint to request a formal correction of the personal information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ), consumer reporting agencies are required to report only accurate, complete, and up-to-date personal identifiers.

Despite my prior efforts, my credit report continues to reflect outdated and unverifiable information. I am requesting that all obsolete names, former addresses, and irrelevant employer data be permanently deleted, and that only the following verified personal information remain on my file : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX In support of this request, I have provided the following documentation : A copy of my valid government-issued photo ID A recent utility bill showing my current address As required under FCRA 15 U.S.C. 1681e ( b ), you are legally obligated to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. Outdated or unverifiable personal data that does not meet these standards must be removed.

I am formally requesting the following : Removal of all outdated, duplicate, or inaccurate personal identifiers from my credit file ; Retention of only the verified information listed above ; Written confirmation that my credit profile has been updated accordingly.

Failure to comply with these legal obligations may result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law and timely written confirmation. 

Sincerely, 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint to request a formal correction of the personal information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ), consumer reporting agencies are required to report only accurate, complete, and up-to-date personal identifiers.

Despite my prior efforts, my credit report continues to reflect outdated and unverifiable information. I am requesting that all obsolete names, former addresses, and irrelevant employer data be permanently deleted, and that only the following verified personal information remain on my file : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX In support of this request, I have provided the following documentation : A copy of my valid government-issued photo ID A recent utility bill showing my current address As required under FCRA 15 U.S.C. 1681e ( b ), you are legally obligated to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. Outdated or unverifiable personal data that does not meet these standards must be removed.

I am formally requesting the following : Removal of all outdated, duplicate, or inaccurate personal identifiers from my credit file ; Retention of only the verified information listed above ; Written confirmation that my credit profile has been updated accordingly.

Failure to comply with these legal obligations may result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law and timely written confirmation. 

Sincerely, 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a charge-off account from XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a date of XX/XX/year> and a balance of {$0.00}. This entry is outdated and, based on the date of delinquency, appears to have exceeded the seven-year reporting limit defined by the Fair Credit Reporting Act under 15 U.S.C. 1681c ( a ) ( 4 ). The continued presence of this entry is not only inaccurate but unlawful, and raises serious concerns about Equifaxs internal data retention procedures and compliance with federal law. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681c ( a ) ( 4 ) and 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be obsolete or unverifiable must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
I requested verification of this reporting by XXXX XXXX and never received any documented communication as requested after more than 35 days. 

After no correspondence upon request, I then called XXXX XXXX to get a better understanding of the debt and expectations if resolved as it's preventing my ability to obtain credit at the lowest rate. I DID NOT agree to make a payment, I did said I'll call back if decided to act on the offer. They offered me 60 % off PRIOR in writing but recently sent me a letter reverting back to 100 % because I did not call back. That's exortion. They never said IF I DONT CALL BACK, they will retract the 60 %. The recorded call can be pulled for verification. 

I asked for validation of the debt, and they never sent it but continue to harass me with collection efforts. This account shows no chargeoff date by the Original Creditor. I never had a lapse in insurance which can be verified by MD Department Of Motor Vehicles.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I requested verification of this reporting by XXXX XXXX and never received any documented communication as requested after more than 35 days. 

After no correspondence upon request, I then called XXXX XXXX to get a better understanding of the debt and expectations if resolved as it's preventing my ability to obtain credit at the lowest rate. I DID NOT agree to make a payment, I did said I'll call back if decided to act on the offer. They offered me 60 % off PRIOR in writing but recently sent me a letter reverting back to 100 % because I did not call back. That's exortion. They never said IF I DONT CALL BACK, they will retract the 60 %. The recorded call can be pulled for verification. 

I asked for validation of the debt, and they never sent it but continue to harass me with collection efforts. This account shows no chargeoff date by the Original Creditor. I never had a lapse in insurance which can be verified by MD Department Of Motor Vehicles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am disputing this alleged debt you claim I owe. I am formally disputing this debt under the FDCPA 15USC 1692g. 
The amount you are trying to collect is higher than the total credit limit on the original account. This raises serious concerns about the validity and accuracy of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to unfreeze my credit at Experian, and its said my phone number is incorrect and my password incorrect. When tried to reset password, it takes me to send code page where the code never comes, and other way was to call customer care. There was NO HUMAN option to ask how to reset, all BOT and very frustrating and keep hang up on customer. So I was unable to call, to reset, to send email and to communicate to any human in the company. The other XXXX XXXX  and XXXX  was very easy and straightforward, Experian is a night mare to deal with when you have issue.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to call experience and asked for an agent, but all I could hear some answering machine and worst of all nobody answered

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a valid corporate check ( # XXXX ) from the XXXX XXXX XXXX  ( payer/employer ), drawn on XXXX XXXX XXXX in the amount {$59000.00} on XX/XX/year> at a JP MORGAN CHASE ( my bank ) branch ATM. 

JP MORGAN CHASE placed an ILLEGITIMATE/UNREASONABLE DEPOSIT HOLD of >10 DAYS on my check. 

JP MORGAN CHASE claims E-VERIFICATION of deposited checks on hold takes 24-48 hours ; also a further " manual '' check hold can take up to 7 days. In my case, a " manual '' check hold was not warranted because I deposited a corporate/business check, not a personal check. 

JP MORGAN CHASE is skimming interest monies, paid on daily/short-term bank deposits - by placing excessively lengthy holds on customers ' deposits - thereby depriving their customers of their rightful funds, in a reasonable amount of time and out of line with standard business practices for the banking/financial services industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
TransUnion is currently reporting a charge-off from XXXX under account number ending in XXXX with a charged-off balance of {$5600.00}. This derogatory mark is severely impacting my creditworthiness, and I have serious concerns about its accuracy and legitimacy. I have not received any original documentation or verifiable evidence that this debt is valid, collectible, or contractually tied to me. The information appears to have been reported without undergoing a proper verification process as required under the Fair Credit Reporting Act ( FCRA ). No chain of ownership, itemized statements, or contractual proof has been provided to validate the reporting of this charge-off. 

Additionally, with the increased frequency of data breaches and compromised consumer information, I am alarmed at how easily unverifiable data can be inserted into a consumer credit file and left there without scrutiny. Under 15 U.S.C. 1681i, TransUnion has a legal obligation to conduct a reasonable reinvestigation when a consumer disputes the accuracy of an account. Reporting such damaging information without full verification not only violates this statute but also puts consumers at unjust risk of financial harm and emotional stress.

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