vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was traveling internationally and decided to utilize my XXXX XXXX XXXX XXXX by Citi. I stayed at a hotel ( independent, not chain or franchise ) and tried to pay for the stay using this card on XX/XX/year>. The amount was {$200.00} ( INR XXXX using the exchange rate on the date of the transaction ). My card was declined - I saw it myself on the machine. My wife decided to use her debit card from a different bank and that transaction went through. A few days later I noticed that the charge still posted to my Citi account. I tried resolving it with the hotel but they kept dodging the issue. I opened a dispute with Citi and submitted all the requested info including the receipt from the transaction on my wife 's card as evidence that the payment happened using a different method. Citi seems to have disregarded all the information and closed the dispute without providing a reason in their official response letter. The letter only said that the evidence was insufficient and did not provide any next steps. I called Citi dispute department the next day and they told me that the PDF document I submitted was illegible. I requested to reopen the dispute so I can resubmit better quality scan. Since that conversation I have additional / alternate evidence that I can submit, but the dispute was never reopened and I have not received any further communication from Citi. 

I also have a bigger concern around the integrity of transactions since this experience. If I can see with my own eyes that the card was declined at the point of sale, and the charge still posts to my account, then how can I trust the whole financial system that's built on the assumption that transactions are processed correctly?

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 2025-07-14 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: FL

Complaint narrative:
Please permanently block and remove the attached personal information as it is hurting me and my family. Attached are my updated documents for Transunion.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am filing a complaint against ChexSystems due to inconsistent and possibly inaccurate risk scoring on my consumer file. 

XXXX XXXX Bank recently denied my application for a checking account, citing a ChexSystems risk score of XXXX. However, I obtained my own ChexSystems report shortly afterward, which shows a risk score of XXXX, dated very close to the banks decision. 

I am XXXX and rely on Social Security benefits ( RSDI ). I need a reliable place to deposit and access my Social Security money. Being denied banking access based on unclear or conflicting risk scores is creating serious hardship. 

The ChexSystems report also included vague reason codes that do not explain anything clearly : XXXX : Recent Unique FI DDA Inquiry History GC : Unique DDA Inquiry Activity GD : Insufficient DDA Inquiry Activity Same FI These codes are too vague to understand or address, and they do not indicate any wrongdoing or fraud. I have not written bad checks or had any abuse of accounts. 

I am requesting : XXXX. A full explanation of the score discrepancy. 
XXXX. Clarification on the meaning and impact of these reason codes. 
XXXX. A review of whether the score reported to XXXX XXXX was outdated or inaccurate. 

I believe ChexSystems reporting practices are harming people who are already financially vulnerable, including XXXX individuals like me who rely on federal benefits. I ask the CFPB to review this situation and intervene if appropriate. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding discriminatory and unprofessional treatment I experienced at your Bank of America XXXX located XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, at approximately XXXXXXXX XXXX 

I visited the branch to verify my identity and regain access to my online banking account as instructed. Upon arrival, I stood in the lobby for over XXXX minutes without being greeted or acknowledged. When I approached the employee responsible for assisting walk-ins, she offered minimal assistance and told me the wait would be an hour. Approximately XXXX minutes later, she called me back to ask for my debit card. Upon discovering that I was a business client, her attitude improved, but remained noticeably dismissive. 

While waiting, I observed a white male business client walk in, greet the employee with a hug, and be assisted before me and other clients of colorspecifically, a XXXX client who had arrived before both of us. XXXX more business clients arrived afterward. XXXX of them, a XXXX man, was told it would be an hour wait. A XXXX client was told by the lead manager, XXXX, that he would be helped in XXXX minutes. 

Despite arriving early, I waited over XXXX hours to complete a simple login reset that ultimately took only XXXX minutes. I believe this delay and the differential treatment were motivated in part by racial bias, in violation of my rights as a U.S. citizen and as a customer.

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 2025-07-14 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: MN

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : XXXX. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$300.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$200.00} XXXX. XXXX XXXX ( XXXX XXXX ) XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-07-14 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX balanced {$20000.00} date open ; XX/XX/XXXX XXXX XXXX XXXX balanced {$940.00} date open : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX balanced {$3800.00} date open ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} date open : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$350.00} date open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX balanced {$20000.00} date open ; XX/XX/XXXX XXXX XXXX XXXX balanced {$940.00} date open : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX balanced {$3800.00} date open ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} date open : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$350.00} date open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX  I filed a dispute with Transunion, XXXX  and Equafax regarding XXXX XXXX placing a XXXX, XXXX, XXXX  day late on my credit report. I included text messages from XXXX XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>, which was not 30 days late. I also included receipts from XXXX confirming the XXXX payment, due on XX/XX/XXXX, was made on XX/XX/year>. Finally in XXXX of XXXX  my credit report with Transunion, XXXX  and Equafax was corrected to show no late payments. In XXXX of XXXX, Transunion is again showing a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX is still correct with no XXXX  day late showing. As of XX/XX/year>, the status of my credit report with Equifax is unknown.

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 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
We attempted to make payments on three different monthly occasions and each payment was rejected. The mortgage company never explained why the rejections took place nor provided us once requested a loan modification or forbearance cure default. We spoke with the Department of Veterans Affairs concerning this issue and was told that the mortgage company should take and apply our payments and provide us assistance to cure this issue without moving to any type of foreclosure action. We made several attempts to request help under our contract towards a forbearance, since our delinquency was due to the Trump Administration 's illegal actions to terminate our federal employment as vested employees over 20 years of service. Since XXXX we communicated with Village Capital & Investments and received no support. As of this date, we now know we were allowed to retire per court decision, but any retirement funds or 401k funds will not be complete for 4 to 6 months from XX/XX/XXXX. We communicated every step of the way as both veteran, and federal workers we demand fair treatment and support to cure this issue. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, we attempted to make payments that were not allowed without explanation. None of this was our fault and due to the nature of this governments actions we are struggling to save our investment. We will make every effort to save my VA benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I believe the receptionist at the dentist 's office I visited in XXXX ( XXXX XXXX of XXXX ) a few months ago opened a XXXX  account that I did not request, apply for, or sign for in the amount of {$3000.00}. Since XXXX, I have received a card that I did not request nor did I activate it. The card has a 35.99 % APR and the fees are astronomical. Last week when I called, the payment went from {$120.00} to {$420.00}. There are fees for everything, including a {$2.00} fee for paper billing. I was told XXXX months of fees would only be removed after I made a payment and not before. After only a few days, late fees have ballooned my account past due total to {$580.00} when it was {$420.00} earlier. The statement for a payment owed on XXXX XXXX showed that I owed {$420.00}, which is now ( on XXXX XXXX ) increased to {$580.00}. ) When I asked the payoff amount, the representative was adamant that I only needed to bring the account current and not pay it off. A total was not provided. In a written request, I asked Fortiva to remove the fees and close the account, because I did not apply for the account. Please investigate this company. Also, any assistance in getting this situation resolved would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: Credit Karma, LLC
State: GA

Complaint narrative:
Double payment of Unauthorized transaction disputed. Approved by company but still haven't recieved funds. Transaction was disputed back in XX/XX/year>. I have made multiple inquiries concerning this dispute with the company sense my first dispute which took a long time for them to respond. Then after they responded confirming my dispute I had to continue to inquire about my reimbursement. And now I have to reach out to you ( CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to fraudulent transactions that accured on multiple accounts both saving and checking no chance to dispute or argue me receiving any provisions of credit due to account takeovers that accured during most difficult time of my life with being evicted to going homeless due to unlawfully terminated from employment seemed to be worse and hardship situation which I have witnesses to these events I could not address BofA for many years of losing my finances to fraudsters who even changed my login information to calls they did to report cancellation of debit cards etc just hope I can receive funds that were stolen from me which I reported being a victim of identity theft and still no help or payments were ever disbursed to me while I had online access.

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 2025-07-14 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: IL

Complaint narrative:
XXXX XXXX XXXX... Account Number XXXX {$400.00} Credit Limit it is paid in full but Premier would not let me use the account after I PAID it in FULL. so I am asking to REMOVE/ Delete Account off Report. XXXX reported the account as CLOSED but still want to charge me for Monthly fee.

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 2025-07-14 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: TN

Complaint narrative:
My personal information was affected by the XXXX XXXX XXXXh, my identity was stolen and I do not recognize these accounts listed below. 

Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account 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 2025-07-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
I have been trying to dispute several fraudulent accounts on my credit report. XXXX, experian, and equifax credit karma, credit sesame, kikoff, self has not removed the following information yet. i have been trying over XXXX to get it handled.

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 2025-07-14 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: MI

Complaint narrative:
I have been trying to dispute several fraudulent accounts on my credit report. XXXX, experian, and equifax credit karma, credit sesame, kikoff, self has not removed the following information yet. i have been trying over XXXX to get it handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
sent a formal dispute letter to XXXX  at their Consumer Solutions address ( XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation and correction of inaccurate information on my credit report. 

In the letter, I specifically disputed an account being reported by : Creditor : XXXX XXXX Account Number : XXXX I stated that this account is reporting inconsistent and inaccurate information and that it has not been verified. I requested that XXXX  remove the account from my credit file due to these inaccuracies and the failure to verify the account, as required under the Fair Credit Reporting Act ( FCRA ).

Despite my request, the account remains on my credit report. This is causing harm to my creditworthiness and indicates that XXXX  may have failed to follow reasonable procedures to ensure maximum possible accuracy in my credit file, as required by federal law.

Company response to consumer: Closed with explanation