vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We received a letter in late XXXX saying our checking accounts ( joint and my husband 's individual ) would be closed in XX/XX/year> with no explanation as to why, after over XXXX XXXX banking with them. They simply say they have the right to do so at their discretion, and it's clear they have no interest in any kind of exchange with us to clear up whatever concern they might have. After wasting days on the phone getting the runaround from alleged customer service agents we finally got XXXX from our " relationship associate '' who basically said it's too late because the closure is already in progress. We transferred our money out of the account per another more helpful customer service agent 's advice, to avoid waiting on a check, and then they charged domestic transfer fees to boot. ( We have heard these are being reversed ... TBD. ) To add insult to injury, the relationship associate 's emails were riddled with grammatical errors. This is far less grave than losing the accounts but another sign of the carelessness and disregard for customers. Citibank 's customer service has been going down the toilet for years and at this point we just regret not taking our business elsewhere years ago, but I do think they owe us an explanation.

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 2025-09-24 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-24 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: GA

Complaint narrative:
XXXX XXXX : Klarna Inc . 

Issue : Improper or unauthorized withdrawal of funds / Payment dispute Complaint : Klarna withdrew {$210.00} from my bank account on XX/XX/XXXX for a XXXX purchase that was denied at checkout and never completed. 

Details : Payment Reference / Account : XXXX Amount : {$210.00} Date of Payment : XX/XX/XXXX Merchant : XXXX  Status : Purchase denied/ not completed, yet funds were withdrawn This constitutes an unauthorized ACH withdrawal. XXXX has confirmed no purchase occurred, and Klarnas own support agents acknowledged the order was denied. Despite this, Klarna processed the payment and is still holding the funds. 

I contacted Klarnas complaints team ( Case # XXXX ). Their representative ( XXXX ) incorrectly stated the purchase was placed successfully and told me to pursue the refund directly with XXXX, even though Klarna is the entity that withdrew the funds. I have already provided Klarna with proof from XXXX showing no such transaction exists. 

This situation is a clear violation of consumer protection laws and ACH payment regulations. Klarna has taken funds for a transaction that never occurred, refused to take responsibility, and continues to delay refunding my money. 

Requested Resolution : Immediate refund of the {$210.00} withdrawn without authorization. 

Written assurance that no further unauthorized ACH withdrawals will occur.

Investigation into Klarnas practices to ensure this does not happen to other consumers. 

Supporting Evidence Provided : Bank account statement showing Klarna ACH withdrawal XXXX account activity & invoice ( no matching purchase on XX/XX/XXXX ) Klarna email correspondence ( Case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Company has called multiple times I have told them this dead does not belong to me. The name does not align with mine and that I need a written notification, including the information regarding the dates of the debt addresses associated with the debt and accounts associated with the debt. This conversation has taken place over XXXX times in the last several years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB Complaint Against Experian Unauthorized Security Alert Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Respondent : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Summary of Complaint This complaint is filed against Experian Information Solutions , IncXXXX for unlawfully adding and maintaining an inaccurate personal statement/security alert to my consumer credit file without my request, authorization, or consent. 

On XX/XX/year>, Experian added the following statement to my credit file : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. 

This entry is false, misleading, derogatory, and discriminatory. It wrongly suggests that I am under suspicion of fraud, damaging my credibility with creditors, landlords, and banks. This statement is harmful and stigmatizing, and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 
Violations of Law 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Inserting a fraud/security statement without my consent is a violation.

2. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires CRAs to block fraudulent information within 4 business days of receiving identity theft documentation. Experian instead placed a derogatory alert against me.

3. FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation and correction of disputed information. Experian has failed to remove the false statement.

4. FTC/CFPB Guidance Prohibits CRAs from maintaining misleading or discriminatory information that could cause denial of credit or adverse actions.

5. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 By flagging me with an unauthorized security alert, Experian has enabled discriminatory treatment in credit transactions. 
Harm Suffered- I have been denied credit, housing, and financial opportunities due to this false security alert. 
- This inaccurate statement has damaged my financial reputation and caused undue stress, humiliation, 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 2025-09-24 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to 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 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
On XX/XX/XXXX, I notified XXXX ( A.K.A The Money Source ) via recorded phone call of my successor-in-interest status ( inheritance after my father XXXX XXXX ' death XXXX XX/XX/XXXX ) for my XXXX, CO home ( XXXX XXXX XXXX XXXX, providing proof ( my fathers death certificate via Dropbox ). The mortgage defaulted XXXX ; my modification attempts were ignored. XXXX sent follow-ups ( XX/XX/XXXX, XX/XX/XXXX denial, XX/XX/XXXX document list, XX/XX/XXXX denial ). I uploaded documents to their Dropbox the week of XX/XX/XXXX ; my portal confirmed submission. I was told by a representative ( a different representative on the line every time I spoke to the bank ) it would take approximately two weeks to process. After no response on approximately XX/XX/XXXX I reached out for an update. XXXX claimed non-receipt, delaying and asking me to resubmit. The representatives instruction verified it was the correct drop box and it was the same I had uploaded to prior. i submitted documents via paper mail. Finally in XX/XX/XXXX, i received a call from XXXX stating their receipt of requested documentation via paper mail and ide recieve a call back upon completed processing. They confirmed my status on XXXXafter selling the home to themselves on XX/XX/XXXX, with no notice of the ongoing sale. This violates RESPA ( Regulation X ) : No prompt identification ( 1024.38 ( b ) ( 1 ) ( vi ) ( A ) ) ; untimely processing ( 1024.38 ( b ) ( 1 ) ( vi ) ( B ) ) ; no protections pre-sale ( 1024.38 ( b ) ( 1 ) ( vi ) ( C ) ) ; no SII notice ( 1024.32 ( c ) ) ; no SII info response ( 1024.36 ( i ) ) ; no oral XXXX response ( 1024.36 ( f ) ( 1 ) ( i ) ) ; no borrower treatment ( 1024.30 ( d ) ). 
Late intervention contact ( XX/XX/XXXX ; XXXX ( a ) ). 
No assigned personnel ( 1024.40 ( a ) ( 1 ) - ( 3 ), ( b ) ( 1 ) ).

Loss mitigation failures : No prompt evaluation ( 1024.41 ( b ) ( 1 ) ) ; no incompleteness notice ( 1024.41 ( b ) ( 2 ) ( i ) ( B ) ) ; no diligence ( 1024.41 ( b ) ( 2 ) ( ii ) ) ; no facially complete treatment ( 1024.41 ( c ) ( 2 ) ( iv ) ) ; sale during application ( 1024.41 ( f ) ( 1 ), ( g ) ). 
Wrongful foreclosure followed ( judgment XXXX ). XXXX signed XX/XX/XXXX, posted XX/XX/XXXX, delayed notice, limiting my 14-day appeal. Eviction risks my family ( XXXX child ) ; I lost my job ( ~ {$5000.00} wages ) from stress undergoing hardships. due to technical difficulties, they will be available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I started receiving phone calls from Citi Bank about my credit debt collection starting on XX/XX/year>. 
This company has called me 4 times a day every day since XX/XX/year> which violates FDCPA in which only 7 call attempts can be made within 7 days. 
Citi Bank has been calling me from 2 different numbers ; XXXX and XXXX. 

XX/XX/year> - A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A call attempt was made at XXXX XXXX XXXX XXXX XXXX XXXX I answered the call on XX/XX/year> at XXXX est and asked to speak with a supervisor. When the supervisor came to the phone i advised that this many call attempts is in violation of FDCPA ( Fair Debt Collection Practices Act ) and are only allowed to call me 7 times within 7 days. 
The supervisor continued to tell me they were one of the largest companies and that they were not breaking any rules and will continue to call me if my credit card payment is not paid which is a week and a half late. The conversation ended.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
The so-called loan agreement includes my name and address, but I never signed or consented to this account. If this was done electronically, then under the XXXX XXXX, Cherry is required to provide proof that I gave valid consent and that my identity was verified through a secure process. They have not provided any such evidence. Simply showing a document with my typed name does not meet the legal standard for consent. 

In addition, they have not produced : Any IP address logs, device information, or XXXX XXXX showing that I personally authorized this application Proof that my identity was verified under Know Your Customer ( KYC ) or similar identity regulations Documentation showing that this debt was reported accurately under FCRA 623 Without this evidence, the agreement they attached can not be considered valid proof that I entered into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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 2025-09-24 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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