vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Against : Citibank , N.A . 
Issue Type : Credit card billing disputes/ unauthorized recurring charges/ account management failures Account : Second Citibank credit card ( separate account ) I am submitting this complaint regarding a second Citibank credit card account involving repeated unauthorized recurring charges and Citibanks failure to honor account controls and customer instructions. 

Although this account did not exceed its credit limit, Citibank repeatedly allowed recurring and subscription charges to post that I did not authorize. These were primarily automatic renewal and subscription fees, not one-time purchases for goods or services. 

After identifying the issue, I locked the credit card to stop recurring charges. Despite the card being locked, Citibank continued to allow recurring transactions to post, rendering the card lock ineffective. 

I also changed the card number, yet the same merchants were still able to charge the account. This suggests Citibank permitted the use of merchant account updater services or similar mechanisms without my consent, allowing merchants to obtain new card numbers automatically. 

I disputed several of these charges and explicitly instructed Citibank to stop permitting recurring transactions. Despite these disputes and instructions, the charges continued. 

Additionally, I have experienced difficulty accessing and downloading account statements through Citibanks website, which interfered with my ability to promptly review and dispute transactions.

Citibanks failures have caused : Unauthorized charges Loss of effective control over my account Repeated disputes for charges that should have been blocked Significant time and effort spent correcting Citibanks errors I can not even access my statements online to give you the dates and amounts.

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 2025-12-28 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:
Dear Sir/Madam, I am submitting this formal dispute to request the correction or removal of inaccurate and improperly reported information on my credit reports with Equifax, These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and must be resolved promptly. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Bank of XXXX Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX  XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX Credit Account Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$660.00} XXXX/XXXX  Account Number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the accounts listed below. I believe there are inaccuracies or incomplete information related to these accounts, which I request be thoroughly reviewed and corrected. 

I have identified an error with the following account in my credit report with Equifax : CHARGED OFF Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Please investigate and correct any inaccuracies with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
I started a Chime account in XX/XX/year>. In XX/XX/year>, upgraded to include the Chime XXXX XXXX which advertised free and safe credit builder program. In XX/XX/year>, I began receiving emails about my account payment being due in XX/XX/year>. I called Chime, spoke to XXXX, who told me to disable the XXXX XXXX option to prevent /the account from taking money from the Checking/Savings for a FREE program. Today, XX/XX/year> I couldn't access the XXXX XXXX Credit Card because it was locked for failure to pay a delinquency. The same delinquency XXXX told me would go away if I XXXX the safer builder automatic option. I have spent XXXX minute on the chat with XXXX who kept telling me that the XXXX XXXX delinquency would go away if I reenabled the safer builder feature. I can not get them to give me any documents about how much the account costs to use. It seems like they count your addition of funds to a secured credit card as a deposit and then want you to pay exactly what you spent in addition. That would be 100 % fee on an advertised FREE secured credit card. I am currently talking with the representative about closing this devious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am writing to dispute the following information that is inaccurate on my Equifax credit report. I have provided the details of the accounts in dispute below. 

Charged Off : XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} Late Payment : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am disputing the following inquiries and positive accounts reported by Experian that I believe are either inaccurate or unverifiable. Please review these items for accuracy and take appropriate action to resolve any discrepancies. 

INQUIRIES : XXXXXXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> POSITIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federated Student Loan Services
State: AL

Complaint narrative:
My federal student loan ( s ) were serviced by XXXX. 
Without my consent or prior authorization, XXXX transferred my loan servicing to Advantage and a new servicing account was created in my name. I did not request or approve this transfer, and I was not provided advance notice, written consent documentation, or proof of Department of Education authorization approving the reassignment. After the transfer, Advantage began reporting account information and balances that differed from what had previously been reported. I attempted to obtain clarification and documentation regarding : The legal basis for the transfer Proof of borrower consent Proof of authority to service the loan A complete and accurate loan history and balance The information requested was not provided. Any responses received were incomplete and did not include documentation validating the transfer or the accuracy of the information being reported. As a result, inaccurate and/or unverifiable information has been reported regarding my federal student loans, causing confusion and potential harm to my credit profile. The failure to provide clear, complete, and documented information prevented me from verifying the legitimacy of the account and resolving the issue directly with the servicers. I am requesting a formal investigation, full validation of the transfer and servicing authority, correction or deletion of any inaccurate reporting, and cessation of reporting until verification is completed.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year>, I ordered a pair of XXXX  slip-on shoes, for a total of cost of {$59.00}, as a XXXX gift. The XXXX # is XXXX and a screenshot of the order email is attached as file " XXXX XXXX  XXXX. '' However, I never received XXXX # XXXX. XXXX marked my item as delivered on XX/XX/year>, but I knew immediately that the delivery confirmation photo, which is attached as file " XXXX XXXX XXXX XXXX XXXX, '' was not of my apartment. I live in a complex with multiple buildings and several hundred residents, and XXXX  regularly delivers packages to the wrong address, or not at all. 

So, I opened a case with XXXX  on XX/XX/year> regarding my missing order. XXXX " XXXX XXXX XXXX  '' shows my case number and the date. On XX/XX/year>, XXXX responded that my order was delivered correctly. File " XXXX XXXX '' shows their response. 

So, on XX/XX/year> I contacted the vendor, Journeys, for assistance, since XXXX would not assist me. XXXX ' initial response is attached as file " Initial Response from XXXX  Regarding Order XXXX. '' Since I still wanted the XXXX  slip-on shoes as a XXXX gift, I submitted a new order through XXXX  on XX/XX/year> but requested that it be sent to my parents ' home, since XXXX in their area largely employs veterans and, because of this, is more consistent than there. Also, I planned to spend XXXX with my parents and knew I could gift the shoes at that time. Proof of my 2nd order, which I DID receive, is attached as file " XXXX XXXX XXXX. '' At the time, I was hopeful that I would be refunded for my initial shoe order or else I would not have ordered anything else from Journeys. 

But I did not hear anything else from Journeys directly. So, on XX/XX/year> I submitted a dispute with PayPal, whose service I used to pay for Order # XXXX. XXXX responded that they required 9-12 business days to contact XXXX. So, I obliged. 

On XX/XX/year>, with Journeys being unable or unwilling to assist me further, I escalated my claim with PayPal only for them to side with the vendor. Attached file " XXXX XXXX XXXXXXXX '' shows PayPal 's response. 

Finally, attached files " XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, '' " XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, '' and " XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX '' show confirmation photos, as provided by XXXX, of deliveries to my apartment earlier this year. As you can see, my apartment number, XXXX, is clearly visible on the bottom right of my door. 

I am very disappointed in PayPal, since I have been a customer for over 2 decades and never disputed a charge with XXXX  or any other retailer until Order # XXXX was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
On XX/XX/year>, I received four emails from MOHELA stating a payment had been reversed due to insufficient funds. My student loan account may now be delinquent. On XX/XX/year>, I called MOHELA. After over an hour, a MOHELA representative stated my bank had reversed a {$2000.00} payment that was made on XX/XX/year>. The MOHELA representative stated the bank had reversed the payment on XX/XX/year>. I was then told that due to this payment reversal, a satisfied loan had been moved to an unsatisfied status and is occurring interest daily. 
On XX/XX/year>, I spoke with a bank representative to review my bank account information. It was found the bank did not reverse the payment, and there were never insufficient funds on the bank account. The {$2000.00} MOHELA payment had not been transferred back into my bank account. The bank representative stated that legally, the bank would only have 30 days to reverse a payment due to insufficient funds. The bank would not be able to reverse a payment from XX/XX/year> on XX/XX/year>. 
On XX/XX/year>, I called MOHELA again. The MOHELA representative reviewed the account again, after I explained the information that the bank had given me. The representative was able to see the {$2000.00} payment made on XX/XX/year>, but was unable to see when, where, and how the payment was reversed from my account on XXXX.The MOHELA representative stated this would need to be escalated to a supervisor. 
On XX/XX/year>, I received a call from a MOHELA supervisor. The supervisor stated I would need to prove the {$2000.00} was not transferred back into my bank account. This could be proved by providing a copy of my bank account records for the time period of XX/XX/year> through XX/XX/year>. 
For a service fee of {$10.00}, I received a copy of my bank account records to email to MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
Charged-Off Accounts I dispute the following accounts : XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  Acct XXXX ( XX/XX/XXXX, balance {$6700.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$120.00} ) Credit Inquiries I dispute the following inquiries as inaccurate or unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments I dispute the following late payments : XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX I request Experian verify these accounts and inquiries, and remove any information that can not be substantiated.

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 2025-12-28 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: MD

Complaint narrative:
I am a documented victim of identity theft and filed an FTC Identity Theft Report regarding fraudulent charge-off accounts appearing on my credit reports. 

Despite receiving notice of identity theft, Experian, Equifax, and TransUnion failed to comply with FCRA 605B by not blocking the fraudulent accounts within XXXX business days. Instead, they continued to report and verify the accounts without providing lawful documentation or evidence of a reasonable investigation. 

Additionally, XXXX XXXX and XXXX XXXX XXXX XXXX Bank continued furnishing information related to these fraudulent accounts after notice of identity theft, in violation of FCRA 623 ( a ) ( 6 ) ( B ). 

The accounts were repeatedly re-verified, balances were updated, and charge-off statuses remained even after identity theft was established. XXXX or XXXX verification is legally insufficient in this context. 

These actions constitute willful noncompliance with the Fair Credit Reporting Act.

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 2025-12-28 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: MD

Complaint narrative:
I am a documented victim of identity theft and filed an FTC Identity Theft Report regarding fraudulent charge-off accounts appearing on my credit reports. 

Despite receiving notice of identity theft, Experian, Equifax, and TransUnion failed to comply with FCRA 605B by not blocking the fraudulent accounts within XXXX business days. Instead, they continued to report and verify the accounts without providing lawful documentation or evidence of a reasonable investigation. 

Additionally, XXXX XXXX and XXXX XXXX XXXX XXXX Bank continued furnishing information related to these fraudulent accounts after notice of identity theft, in violation of FCRA 623 ( a ) ( 6 ) ( B ). 

The accounts were repeatedly re-verified, balances were updated, and charge-off statuses remained even after identity theft was established. XXXX or XXXX verification is legally insufficient in this context. 

These actions constitute willful noncompliance with the Fair Credit Reporting Act.

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 2025-12-28 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: FL

Complaint narrative:
I am filing this formal complaint because my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). I have identified multiple accounts and personal data being reported without my express authorization or verifiable consent, which is a violation of 15 U.S. Code 1681b. Specifically, I am disputing the following accounts : XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX with {$5000.00} balance ), XXXXXXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX with {$0.00} balance ), and XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite my previous efforts, the credit bureaus have used stall tactics to avoid their legal obligations, even claiming official documents were " not acceptable ''. I have now generated an updated Official FTC Identity Theft Report, reference number XXXX, to support my demand for an immediate fraud block. Pursuant to 15 U.S.C. 1681c-2, you are required to block this information within 4 business days. I request the CFPB to intervene and ensure these unauthorized accounts are deleted and my personal information is corrected to reflect only my legal name XXXX XXXX and my current address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-12-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is continuing to report my credit card account inaccurately despite the account having a XXXX balance and being paid. 

The account shows a {$0.00} balance, no past-due amount, and no remaining contractual obligation. However, XXXX XXXX XXXX XXXX continues to report the account with a collection/charge-off status, including comments such as payment after charge-off / collection paid profit and loss. 

This reporting is inaccurate and misleading because the account is paid, closed, and no longer delinquent. Reporting a paid account as a charge-off continues to present the account as a major derogatory item and does not reflect the true status of the obligation. 

I sent XXXX XXXX XXXX XXXX a formal notice and demand for correction disputing this reporting and requesting deletion or correction of the inaccurate charge-off designation. Despite this, the account continues to be reported with derogatory charge-off language, and the credit bureaus show reinvestigation activity without correction. 

XXXX XXXX XXXX XXXX has not provided documentation justifying continued charge-off reporting on a paid account with a XXXX balance. This conduct is causing ongoing harm to my credit profile. 

I believe this reporting violates the Fair Credit Reporting Act, including the requirement to report information accurately and to correct or delete information that is misleading or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
XX/XX/year> account was frozen. Called customer service and was hung up on when I asked for a supervisor. Went into local branch the same day and was given no information other than I have to wait for a letter to be received. I made a {$12000.00} check deposit from my XXXX account and the funds have not been released or returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern at TransUnion, I am disputing the following accounts and inquiries reported on my credit file. These entries are inaccurate, and I request that the appropriate corrections be made after a thorough review. 

Disputed Accounts : Inquiries XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX Late Payment XXXX 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