vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This relates to Case # XXXX As of XXXX, my account reflects XXXX transactions dated XXXX : a posted Refund Membership Fee of {$82.00} and a Credit Interest XXXX XXXX {$1.00}. The remedy outlined in the CITIBANK response letter has not been honored. The adjustments do not match the fraudulent CITIBANK charges. My account continues to display a past due balance of {$46.00}, which represents the whole of the fees and interest that should have been removed. In addition, CITIBANK continues to place daily phone calls and email messages demanding payment, creating an ongoing pattern of unnecessary and unwarranted harassment. Please reopen this case until CITIBANK has fully honored the commitments outlined in its written response. The ongoing pattern with CITIBANK has been XXXX of making assurances and then failing to follow through, resulting in repeated discrepancies between what is promised and what is carried out. CITIBANK lies.

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 2025-11-13 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: MA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC restricted my account online but my account is not closed and my account is negative be Cause of paper billing witch I told them to change to paperless and there trying to close my account which is not right with out any explanation and not trying to tell me why my online access is restricted and can no longer can be used at the moment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I purchased my home in XXXX of XXXX, and my home loan was with FlagStar bank. 

In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX. 

I have paid interest and escrow on every payment, starting in XXXX of XXXX at the time of purchase. I have payment documents to prove this. 

I received a delinquent tax notice for {$7300.00} in XX/XX/XXXX, from XXXX XXXX for delinquent payments for the year XXXX. 

I immediately filed a complaint to the XXXX  and called XXXX XXXX loans to correct this issue. 

After several attempts via email and phone, I received notice on XX/XX/XXXX that the lack of payment was done in error, and XXXX XXXX paid the {$7300.00} to XXXX XXXX. 

However, what really happened is they exhausted my XXXX XXXX funds to pay for the XXXX property taxes that they never paid. So now, I have a negative balance on my escrow account for XXXX and XXXX XXXX has increased my monthly payment to cover the XXXX property taxes bill, since they used up those funds to correct the error.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
In early XX/XX/year>, my Cash App account was unexpectedly closed and locked without warning or further investigation. I was not notified of any reason for the closure, and the app only displayed a message stating that my account could no longer be used. No specific violation, activity, or issue was ever explained to me. 

Since then, I have made multiple attempts to contact Cash App through their support system. I submitted all required verification steps, responded to emails, and followed every instruction provided. However, I either received automated responses or generic messages that did not address my situation. At no point did Cash App explain why the account was restricted or closed or provide a clear path to resolve the issue. 

I use my account for personal and household needs, and the sudden loss of access caused extreme stress and financial hardship. I simply want a thorough investigation into the closure, a clear explanation of what happened, and the opportunity for my account to be reviewed and reopened. 

I am requesting CFPB assistance because Cash App has not provided any meaningful customer support or resolution despite repeated attempts to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date of Last Payment : XX/XX/XXXX Balance : {$0.00} has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies EXPERIAN, EQUIFAX and TrasnUnion and furnishers have failed to conduct a reasonable investigation or to ensure that my creditinformation is accurate, in violation of federal law. Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard. 4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice. The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes. 5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 6. Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date of Last Payment : XX/XX/XXXX Balance : {$0.00} has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies EXPERIAN, EQUIFAX and TrasnUnion and furnishers have failed to conduct a reasonable investigation or to ensure that my creditinformation is accurate, in violation of federal law. Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard. 4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice. The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes. 5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 6. Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this fourth follow-up complaint regarding inaccurate and unauthorized items that continue to appear on my credit report. These items have not been verified in accordance with federal law and must be permanently deleted. This complaint is not a request for correction but a formal demand for removal under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$33000.00} Repossession * * This account remains inaccurate and unverifiable. The reporting furnisher has failed to provide documentation to verify the accuracy or ownership of this repossession. Under : FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ( a ) ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 
FCRA XXXX / XXXX U.S.C. XXXX mandates that unverifiable or identity theft-related information must be blocked and permanently deleted upon request. 
Since the information for this repossession can not be verified, I am demanding its permanent removal from my credit report. 
Item XXXX : Unauthorized Inquiry XXXX XX/XX/year> This inquiry was made without my authorization and does not meet any permissible purpose under federal law. Under : FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ( a ) ) and FCRA XXXX ( f ) ( XXXX U.S.C. XXXX ( f ) ), a consumer report may only be accessed with the consumers consent and for legitimate purposes. 
FCRA XXXX ( XXXX U.S.C. XXXX ) makes it unlawful to knowingly obtain a credit report under false pretenses. 
FCRA XXXX / XXXX U.S.C. XXXX grants consumers the right to request the removal of information resulting from identity theft or unauthorized access. 
As this inquiry was neither authorized nor initiated by me, it violates my rights under federal law. I am demanding permanent deletion of this inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my Equifax credit report, I have identified multiple instances of inaccurate personal information that require immediate verification and correction. The following items are reported incorrectly and do not reflect my true identifying information : Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Accurate reporting of personal identifying information is fundamental to ensuring that all accounts, inquiries, and other data are correctly associated with my credit file. Inaccuracies in name, address, or other identifying details can result in misreporting, misattribution of accounts, and duplicate or conflicting entries, which in turn can severely distort the representation of my credit history. Such errors may lead to denials of credit, increased interest rates, or other adverse financial consequences. 
Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are legally required to maintain procedures that assure maximum possible accuracy of the information they report. Additionally, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) provides that I have the right to dispute incomplete or inaccurate information and that the agency must reinvestigate any disputed items promptly and thoroughly. 
Given these statutory protections, I request that Equifax take the following actions regarding the inaccurate personal information listed above :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
My checking and savings accounts with USAA were closed without my authorization or notification. I received checks for the balances on my accounts at my front door on XXXX XXXX. When I called the same day to inquire why they were closed, the representative said I had not verified my employer or salary range in the last 3 months so they closed my account. I never received a notice in the mail about this issue. I did not receive any emails about this issue. I did not receive a text message about this issue. I did not receive an app notification about this issue. The representative said they tried to call me 3 months ago ( in XXXX ) but no one left a message saying I needed to take action or my account would be closed. The only way I could have known there was an issue is if I logged into my account, navigated to the documents tab ( which takes XXXX clicks to get there so it is not easily accessible ) and selected the message. The representative said I could not reactivate my accounts so I would have to create new ones which would cause all of my funds to be put on a hold for 10 days

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 2025-11-13 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. 
With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Account originated during illness and surgery. LVNV did not validate and ignored hardship. 
Requested : Validation or removal Hardship consideration Correction of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I have recently disputed the items of my credit report. I disputed under the laws of FCRA. The bureaus have ignored the laws and have not responded to any of my requests. This account is listed on my twice which is a clear violation of FCRA XXXX and XXXX XXXX guidelines. This alone should allow for an account to be removed and not verified however the accounts that is listed on my report twice has come back verified. They are doing sham investigations. You can not verify an account that is listed twice. In addition they have taken way more than 30 days to do this investigation. I sent he request on XXXX XXXX. They said they had until XX/XX/XXXX to respond which is clearly more than 30 days. 

The next account just appeared on my report. The collection agency which is listed a factoring company never sent me any correspondence about the debt. They never said they were putting it on my report. They have violated many FCRA rules by reporting this debt which was removed and then returned under a new company that had no communication with me what so ever.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently disputed the items of my credit report. I disputed under the laws of FCRA. The bureaus have ignored the laws and have not responded to any of my requests. This account is listed on my twice which is a clear violation of FCRA XXXX and XXXX XXXX guidelines. This alone should allow for an account to be removed and not verified however the accounts that is listed on my report twice has come back verified. They are doing sham investigations. You can not verify an account that is listed twice. In addition they have taken way more than 30 days to do this investigation. I sent he request on XXXX XXXX. They said they had until XX/XX/XXXX to respond which is clearly more than 30 days. 

The next account just appeared on my report. The collection agency which is listed a factoring company never sent me any correspondence about the debt. They never said they were putting it on my report. They have violated many FCRA rules by reporting this debt which was removed and then returned under a new company that had no communication with me what so ever.

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