vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
SUBJECT : Fabricated Invalidity of Negotiable Financial Instrument PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) This is Volume 3 of a 21-Volume, 167-page documented sequence outlining systemic misconduct by Citibank.

This volume addresses Citibanks internal fabrication of a payment failure, where a valid {$4000.00} balance transfer check was reclassified as invalid due to an alleged undefined routing number ( Citis wording ). The issuing bank XXXX XXXX XXXX  ) confirmed no such claim was made to them, and no return or rejection was documented or disclosed. Nor had they ever heard of such a claim/term regarding the balance transfer checks they issue : " undefined routing number. '' The filing details how Citibank used this fabricated invalidity to : Reverse a legitimate attempt to pay in full Reclassify the transaction as a purchase at 24.99 % APR Conceal the action from both the consumer and the issuing bank This was not a routine error. It was a manufactured ledger eventone that harmed both the consumer and the originating bank.

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 2025-09-17 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: CA

Complaint narrative:
Please act within XXXX days to delete these accounts in accordance with 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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fradkin & Weber PA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX RE : Request for Debt Validation, Cease and Desist of Collection, and FCRA Compliance Alleged Creditor : XXXX XXXX XXXX, XXXX Case Number : XXXX To Whom It May Concern : I am writing in response to your collection attempts and/or legal proceedings regarding the alleged debt referenced above. Pursuant to the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e, I hereby dispute this alleged debt in its entirety and demand full validation. 


Documentation Required for Validation Please provide : XXXX. A copy of the original signed contract or agreement with XXXX XXXX XXXX, XXXX, bearing my signature. 
XXXX. A complete payment history, including principal, interest, fees, and adjustments from account opening until charge-off. 
XXXX. Documentation proving legal ownership of the alleged debt and the full chain of assignment to XXXX XXXX XXXX, XXXX. or your client. 
XXXX. Evidence of your firms legal authority to collect debts in the State of Maryland. 
XXXX. A copy of the initial written notice required under 1692g ( a ). 


Cease and Desist of Collection and Legal Action Until you provide proper validation of this alleged debt, you are instructed to cease all collection activity and legal action, including phone calls, letters, credit reporting, or litigation. Any attempt to continue pursuing this matter without validation is a violation of the FDCPA. 


FCRA Compliance If this alleged debt has been reported to any consumer reporting agencies, you must : Mark the account as disputed during your investigation. 
Provide full verification or immediately delete the tradeline if validation can not be produced. 
Ensure compliance with the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits reporting inaccurate or incomplete information. 


Notice of Rights Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney Generals Office. I also reserve the right to pursue legal remedies for damages under both the FDCPA and the FCRA. 

This letter is not an admission of liability but a lawful demand for validation and compliance. 


Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA Equifax I am writing to formally dispute inaccurate information being reported on my credit file. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Closed/Charge-Off Upon review of my credit report dated XX/XX/XXXX, I found multiple inaccuracies : XXXX. The account is reported as closed in XX/XX/XXXX, yet Equifax continues to report XXXX status monthly for XXXX, XXXX, and XXXX. This is factually inaccurate and misleading, as an account can not accrue new charge-off notations after closure. 
XXXX. The report shows both a charge-off balance ( {$16000.00} ) and a past due amount ( {$11000.00} ) on the same account. A charged-off/closed account can not legally continue reporting a past due balance. 
XXXX. This reporting results in duplicate derogatory information, unfairly harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( dispute accuracy ) and 1681s-2 ( furnisher responsibilities ). 

I have reached out numerous times about getting this account updated so that will be reporting correctly on my credit report but all XXXX credit bureaus failed investigate properly. I have given them 30 days, as required by the FCRA. This account is still reporting incorrectly and I would like this account deleted within XXXX business days. 

Sincerely, XXXX XXXX XXXX : XXXX SSN ( Last 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 2025-09-17 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA Equifax I am writing to formally dispute inaccurate information being reported on my credit file. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Closed/Charge-Off Upon review of my credit report dated XX/XX/XXXX, I found multiple inaccuracies : XXXX. The account is reported as closed in XX/XX/XXXX, yet Equifax continues to report XXXX status monthly for XXXX, XXXX, and XXXX. This is factually inaccurate and misleading, as an account can not accrue new charge-off notations after closure. 
XXXX. The report shows both a charge-off balance ( {$16000.00} ) and a past due amount ( {$11000.00} ) on the same account. A charged-off/closed account can not legally continue reporting a past due balance. 
XXXX. This reporting results in duplicate derogatory information, unfairly harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( dispute accuracy ) and 1681s-2 ( furnisher responsibilities ). 

I have reached out numerous times about getting this account updated so that will be reporting correctly on my credit report but all XXXX credit bureaus failed investigate properly. I have given them 30 days, as required by the FCRA. This account is still reporting incorrectly and I would like this account deleted within XXXX business days. 

Sincerely, XXXX XXXX XXXX : XXXX SSN ( Last 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 non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
This correspondence serves as a formal dispute of a hard inquiry listed on my credit report that I did not authorize. At no point did I initiate, apply for, or grant permission for this entity to access my credit file. The presence of this inquiry is a serious error, negatively impacting the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy entry currently appearing on my credit report is false and fraudulent. I have never filed for bankruptcy, and there is no legitimate record linking me to such a filing. Its presence is causing substantial damage to my credit profile and is misleading to lenders and other institutions reviewing my report.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-17 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: TX

Complaint narrative:
I am disputing the late payment currently reported on my credit file, as it is not accurate and does not reflect my consistent payment history. This negative mark is misleading, damaging, and clearly erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I object to the listing of accounts I never authorized. Please review extensively and expunge them. Relevant evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 XXXXXX/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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have been using Coinbase for cryptocurrency exchange. They constantly restrict my account for minor discrepancies. I have been restricted for close to 2 months now, and when I reach out to support, the most I get is an automated response that does not address my specific issue. The human agents I speak to give me copy and paste answers with zero resolution. I have completed all tasks that the company has asked of me in order to lift my restriction, but they have stopped responding and have never given me a direct answer or resolution beyond telling me to wait and saying that their specialists will review my issue and email me, which they dont. I am still being charged for the premium service offered by the company, but I am unable to fully use the service or the platform, nor am I able to get resolution or peace of mind regarding my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
The company has admitted that this debt has been satisfied but is still reporting it to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I used Chimes Pay Anyone feature, which, according to the Help Center, allows recipients without a Chime account to receive a payment link, enter their debit card information, and access the funds directly. 

However, when my friend, XXXX XXXX, received the link, the only option presented was to open a Chime account. Misled by this process, she created an account, the transfer was completed, and shortly after, when she contacted customer service, the account was closed and she was told the funds would be returned to my account. 

Despite repeated follow-ups ( including multiple calls from myself, my friend, and joint calls together ), we were eventually informed that once an account is closed, no refund is possible. As a result, the debit was taken from my checking account, while my friend, who was pressured into opening an account under false pretenses, has no access to the funds. 

To make matters worse, my checking account shows two separate debits of {$200.00} each ( totaling {$400.00} ) and only one credit of {$200.00}. This leaves an unexplained shortfall of {$200.00}, which has not been returned or accounted for. 

This transfer was intended as payment for a used XXXX. Since my friend never received the money, she understandably withheld the device. Consequently, I have neither the product nor the full funds. 

In effect, Chime has withheld {$200.00}, failed to honor its own stated policies, and closed the matter without providing any resolution or accountability. 

XXXX XXXX XXXX XXXX ( Chime ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX there ) XXXX since XXXX

Company response to consumer: Closed with explanation