vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 


Account XXXX : Business Checking XXXX. Complaint XXXX a. Summary of the XXXX XXXX XX/XX/year>, XXXX domestic wire transfers totaling {$87000.00} from a client ( XXXX * * * * er XXXX, XXXX ) were sent to a business account at Citibank. The bank has placed a hold on these funds and has failed to provide a clear reason for the hold or a timeline for resolution. This has caused severe financial and business hardship, including the inability to meet financial obligations, potential business failure, and inability to afford basic necessities. 

b. XXXX of Events XX/XX/year> : Wire transfers totaling {$87000.00} were initiated by a client to a business account. 


XX/XX/year> : A " XXXX XXXX XXXX '' notification ( # XXXX ) appeared on the online banking dashboard for the account. 


XX/XX/year> : " Wire Transfer '' ( # XXXX ) and " XXXX XXXX XXXX '' ( # XXXX ) notifications appeared on the online banking dashboard for the account. 


XX/XX/XXXX or XXXX, 2025 : A hardship escalation was filed with Citibank due to the account holder 's inability to pay rent. 


XX/XX/XXXX- XX/XX/year> : Daily phone calls were made to Citibank to resolve the issue, but only vague and unhelpful responses were received. 


XX/XX/year> : A Citibank representative mentioned a " fraud investigation '' for the first time, without providing any details or written confirmation. 

c. Desired Resolution I am requesting the immediate and unconditional release of the full {$87000.00} into the business account. I also request that the CFPB and OCC investigate Citibank 's handling of this matter, including their failure to provide timely and clear communication, and their potential violation of UCC Article 4A. 

3. Supporting Documentation A detailed dispute record that includes a timeline of events, a communication log, and a summary of the legal and regulatory context is available upon request. A formal complaint letter has also been prepared and sent to Citibank.

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 2025-10-13 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-13 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I placed an order on NordstromXXXX that cost a total of {$2100.00}. I paid partial amount of this total with a gift card so the total charge on the credit card was {$1700.00}. On XX/XX/XXXX I received an email saying the package was delivered. I located the package in the mailroom but the box was empty. I quickly called Nordstrom to let them know of this issue. On XX/XX/XXXX I received a response back from Nordstrom stating that they are unable to process any refund because the box had been delivered. I continued to pursue a refund from Nordstrom but kept getting denied. On XX/XX/XXXX I filed a police report for theft ( police report # XXXX XXXX XXXX XXXX ) and notified my apartment building to locate surveillance footage from this day. They were able to retrieve footage showing that someone did indeed take the contents out of the package. Management at my apartment building were only able to send this footage to the police department. Again, I notified Nordstrom and opened another dispute this time including the police report # along with the detective # to confirm that the package was not received. They denied me once again. 

I have been making small payments to this Nordstrom credit card so that it wouldnt show delinquent on my credit report for this order that never was never received. Today, almost a year after this incident, I contacted them again to reopen the case but there is no one that is helping me or even looking into this further. I should not be making payments for items not received. If this was a separate credit card company I wouldve received a refund long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I put on my edit car a that debt was already paid XXXX  years ago ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Homestead Designation Services

Complaint narrative:
an to remove : We took out a private education loan for our daughter XXXX while she was attending the XXXX University in XXXX, MA. This loan went into default after she transferred to a community college in XXXX, MA. Our lender received notice that she was no longer a full-time student in XX / XX XXXX. Then our younger son XXXX became very sick and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can but we still haven't reduced any of the pri

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Between the months of XXXX and XXXX, my credit score has dropped XXXX points for no reason.There were inquiries on here that I did not request.I 've contacted all three credit bureaus.They opened an investigation and within a few hours, they close it.And tell me they find for the.Report on my credit report. This is unacceptable.I 'm trying to build my credit by making payments to debtors.Nothing is showing properlyThey keep dropping my score rather than increasing it. I've been dealing with this for over a year, and no one seems to want to help me.

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 2025-10-13 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:
I am submitting this statement because the accounts listed below reflect inaccurate late payment reporting and inconsistent delinquency timelines, which may violate the Fair Credit Reporting Act ( FCRA ) provisions requiring accuracy and fair handling of consumer data. 
XXXX XXXX XXXX * Balance : {$6400.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} The repeated and extended delinquencies reported on these accounts appear inconsistent with the original repayment history and may include duplicate or unverifiable late marks. Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy of all information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that data furnishers may not report information they know or reasonably should know is inaccurate.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Betterment LLC
State: CA

Complaint narrative:
I initiated a rollover of approximately over {$200000.00} from my Betterment IRA retirement account to XXXX XXXX in XX/XX/XXXX. It took weeks for me to get a letter from XXXX to accept the funds and a written letter from me requesting. Betterment then makes you slow mail it to their headquarters. No other organization requires this slow mail request. After a week, Betterment confirmed receipt and liquidated the funds. They took out their {$75.00} fee and management fee and claimed to have mailed a rollover check on XX/XX/XXXX. After multiple attempts to ask Betterment when the check was mailed or any evidence of tracking, was told multiple times to wait XXXX business days. After the XXXX business day, XXXX never received the check. Betterment had to cancel the XXXX check and reissue a replacement. Yet, even despite the XXXX mishap, they refuse to provide tracking or secure delivery. They refused overnight mailing of the new check and refuse to use any tracking, despite multiple requests ( I would even pay! ) I have no verifiable proof of mailing or receipt despite repeated requests. This entire time, Betterment is sitting on XXXX figures in their bank accounts while I am out of the market and losing thousands. Betterments refusal to provide tracking or overnight delivery for a six-figure rollover check constitutes poor safeguarding of client funds and a failure of fiduciary duty.

I am requesting confirmation that Betterment immediately adopt secure transfer procedures for client rollovers. Either electronically or if by mail, using tracking or overnight delivery with tracking confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer Name XXXX XXXX XXXXXXXX, Consumer Social Security Number XXXX XXXXXXXX, Consumer Date of Birth XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-13 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:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-13 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: NM

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XX/XX/scrub> 2025 I had a XXXX credit limit with CitiBank, half of it was starting to get interest so I moved that amount to a XXXX % interest account with another company. It took Citibank XXXX XXXXays to apply the XXXX payment and during that time not only did they charge me interest on a direct payment draft but they did a credit check without a notice and decreased my credit limit by XXXX to hurt my credit worthiness. I did not increase my debt ratio as the amount in question was moved to avoid interest. Since this time, my remaining balance with Citibank of XXXX has been paid in full without transferring any balance. My debt has decreased from XXXX as of XX/XX/year>2025 to XXXX currently. Citibank punished me by moving my balance to XXXX XXXX, this lowered my credit score by XXXX points. They also took XXXX  days to notify XXXX of my balance decrease therefore, my credit report looked as though I incurred an additional XXXX debt instead of moving the debt from XXXX creditor to another. I contacted them as I did not approve them to run my credit and they did not notify me of my credit line penalty they put on me. I want that credit limit returned and their system states they will not do a credit line increase for XXXX months. There is NO REASON other than consumer abuse and punishment for not paying them any interest on a XXXX amount. This has affected my long standing credit rating and has slandered my credit by showing an XXXX credit line decrease. This is abuse and slanderous.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/year> I was scammed into sending someone {$260.00} on chime. At the time I didn't know it was a scam. It was called. I guess an overpayment scam they offered to pay my rent if I sent them by XXXX XXXX, they would pay my rent in full. 

The minute the payment was sent they canceled the payment and my rent is now needed in full and I have late fees. 

I am aware that I sent the money, but it was so I'm paying for a service and didn't receive it because I was scammed and chime is not willing to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XX/XX/XXXXcount number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4200.00} Account name XX/XX/XXXXAccount number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4200.00} Account name XX/XX/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2200.00} Account name XXXXXX/XX/XXXXXXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-13 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 explanation