vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I opened a Citi Access Checking account using a promotional offer that stated I would receive a cash bonus after completing two Enhanced Direct Deposits totaling XXXX XXXXXXXX within XXXX  days. I made qualifying EDDs of {$2800.00} on XX/XX/year> and {$2700.00} on XX/XX/year>, totaling {$5600.00}, all within the XXXX window. On XX/XX/year>, a Citi representative confirmed I had met the requirements and said the bonus would post within XXXX days after the first 90 days of account opening. When it did not post, I contacted Citi again on XX/XX/year> ; another agent filed a dispute ( attached ), and I received written confirmation by mail that I was eligible and should continue waiting. Later, a different agent told me I needed to keep a positive balance for XXXX  days after the XXXX perioda requirement I could not find in the offer terms. Nevertheless, I complied. The XXXX day after opening was XX/XX/year>, and XXXX  days after that was XX/XX/year>. I kept the account open and in good standing with a positive balance through XX/XX/year>. The only time the account reached {$0.00} was XX/XX/year>, after that XXXX period ended. I have received conflicting and inaccurate information from multiple Citi agentsmost recently being told I am not qualified because the account once reached {$0.00}, despite my maintaining a positive balance through the required period and prior written confirmations that I qualified. I am requesting assistance to have Citi honor the promotional bonus and explain the basis for any additional requirement that was not disclosed in the offer terms.

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 2025-09-04 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX I filed a dispute with BMO bank for XXXX transactions for {$190.00} each for a total of {$1500.00} from a merchant XXXX XXXX XXXX  that were unauthorized. BMO did not keep me updated at all with my case turns out that they ended up denying my dispute without my knowledge and my account went into overdraft. nor did they show me any evidence of their decision on why. this is completely unprofessional of them. i believe that they should reverse their final resolution for that reason and refund me my money.

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 2025-09-04 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit bureaus are inaccurately reporting a XXXX XXXX XXXX in my file. 

This bankruptcy is not reported by any court and can not be verified through XXXX XXXXr other public court records. The only vendor that supplies bankruptcy data to the credit bureaus, XXXX, has acknowledged errors in its reporting and is removing the record. 

Despite this, Equifax, Experian, and TransUnion continue to report the bankruptcy and are applying bankruptcy notations such as Included in XXXX XXXX XXXX and Bankruptcy Petition to accounts. 

Under the Fair Credit Reporting Act ( FCRA ), the bureaus may not report information that is inaccurate or unverifiable. Since the bankruptcy can not be verified by the courts and the source vendor has removed it, the bureaus must delete it.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit bureaus are inaccurately reporting a XXXX XXXX XXXX in my file. 

This bankruptcy is not reported by any court and can not be verified through XXXX XXXXr other public court records. The only vendor that supplies bankruptcy data to the credit bureaus, XXXX, has acknowledged errors in its reporting and is removing the record. 

Despite this, Equifax, Experian, and TransUnion continue to report the bankruptcy and are applying bankruptcy notations such as Included in XXXX XXXX XXXX and Bankruptcy Petition to accounts. 

Under the Fair Credit Reporting Act ( FCRA ), the bureaus may not report information that is inaccurate or unverifiable. Since the bankruptcy can not be verified by the courts and the source vendor has removed it, the bureaus must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance 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 2025-09-04 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: NC

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. These are : Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA XXXX ( XXXX U.S.C. XXXX ), when a consumer submits a report to the Federal Trade Commission XXXX FTC ) identifying disputed information, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the accounts and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA XXXX ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to these unauthorized accounts When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
To Whom It May Concern, I am filing this complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. XXXX unlawful reporting practices have caused me years of financial hardship, denials of credit and assistance, and severe damage to my creditworthiness. 

Violations and Issues 1. Systematic Errors & Cookie-Cutter Investigations TransUnion has failed to conduct proper reinvestigations under 15 U.S.C. 1681i, issuing cookie-cutter responses and copying data instead of independently verifying.

2. Re-Aging of Accounts Certain accounts have been re-aged in violation of 15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ), unlawfully extending their derogatory reporting. 
XXXX. Double XXXX/ Double Reporting Some debts appear twice, once with the creditor and once with the collector, creating misleading duplicate negatives in violation of 15 U.S.C. 1681e ( b ).

4. Inconsistencies Across Bureaus The same accounts are reported with different dates, balances, and statuses compared to Experian and Equifax, proving inaccuracy.

5. Willful Non-Compliance TransUnion has knowingly reported false information and incorrect dates without proper verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

Damages and Hardship Due to TransUnions unlawful reporting, I have suffered : Denials of housing and financial programs. 
Inability to obtain credit. 
Emotional and financial hardship.

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 2025-09-04 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:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXXXXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is on my credit report and is being reported by all consumer reporting agencies. The account has been paid. It also lists several delinquency payments as well as other negative codes violating my rights under the FCRA. I have been divorced since XX/XX/year> and have not resided at the residence they attempted to serve me. When I realized it had hit my credit, I tried to settle it. 

Capital One Bank USA Closed ( Account ending in XXXX or beginning in XXXX ) Reported Status : Paid/closed, but includes codes : Account paid less than full balance, XXXX  days past due, and Account previously in dispute resolved. 
Violations : Multiple Negative Codes Post-Closure : Adding paid less than full balance alongside closed zero balance is inconsistent and misleading. 

Dispute Not Properly Marked : FCRA 623 ( a ) ( 3 ) requires accounts under dispute to be clearly flagged. Here it shows resolved, but derogatories remain. 

Dispute Reason : Inaccurate status reporting account is closed/paid yet still coded as delinquent. Please update to reflect accurate status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I was approaching the end of my lease on a XXXX XXXX and scheduled a pre-turn in inspection. The inspector arrived, completed his inspection and informed me that everything was within limits except the 2 front tires. On XXXX XX/XX/XXXX at XXXX, I was sent a completed report saying exactly this. The inspector and his report, at that time, reflected a projected payment due for the 2 tires ONLY. This was acceptable to me, so I turned the car into my local XXXX dealer, that afternoon. 

On XXXX XX/XX/XXXX, I received another text from the inspector with a variety of additional charges. One of the charges was for missing keys when I have written confirmation that the dealer received them. I went to the dealer to inquire and the car was conveniently gone. 

This is an egregious violation of behavior to alter a provided report that I was given, that I used to formulate my decision to turn in the car, over a month and XXXX miles early. 

I called GM Financial, AutoVIN and my local dealer and no one seems to want to address my concern of how a completed and provided inspection report can be altered, after I turned the vehicle in. 

If any of the above had issues, it should have been told to me before I turned it in, not after!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
b"Experian is violating the Fair Credit Reporting Act (FCRA). I have submitted a formal dispute for a fraudulent Chase Business account (Acct #: XXXX XXXX XXXX XXXX) that is the result of a crime. I provided an official, final court judgment (Case No. XXXX) which legally proves I am a victim of fraud and not liable for this debt.\nIn blatant disregard for a legal court order, the bureau completed its 'investigation' and stated the account was 'verified' by the creditor. An investigation that ignores a court judgment is not a 'reasonable investigation' as required by 15 U.S.C.  1681i. The perpetrator of this fraud is a convicted federal felon for this exact type of crime.\nI demand that the CFPB compel Experian to comply with the law, respect the enclosed court order, and immediately delete this fraudulent tradeline and all associated inquiries from my credit file."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

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 : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] 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 non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
XXXXPlease remove these items from my Credit report:XXXXADDRESSES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

Company response to consumer: Closed with non-monetary relief