vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/year> citicard I made my minimum payment and made a request based on the following regulation. 
XXXX Allocation of payments. 
( ii ) Consumer request. The card issuer XXXX at its option allocate any amount paid by the consumer in excess of the required minimum periodic payment among the balances on the account in the manner requested by the consumer. 
I spoke with XXXX managers that refused my request to receive an additional payment allocated as I requested.

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 2025-06-03 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: MI

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have XXXX XXXX XXXX  products with Capital One. On XX/XX/year> I attempted to deposit a check via mobile deposit. The check was accepted but I later received a message that the check could not be processed as the name did not match the account. I did not realize my XXXX  account still reflecting my maiden name. On XX/XX/year> I reviewed options online to update my name and reached out to the bank to receive a secure email to add the appropriate documentation. I was told it takes XXXX business days to update the account. I have been checking my email and the app to verify the documents were received and ok to make the change but there is nowhere to view the information. On XX/XX/year> I reached out to get an update on the requested change and was made aware that it could take up to XXXX business days to update the request. The representative was unable to provide any information regarding the status of the request. I was told to just keeping checking my account to view the name change was effective. I asked what would happen if the name change did not go through, the representative said there would be notes on my account and that I would have to call in and find out. On that day, I tried to view the area the name change would be reflected in the app and it was not there. On XX/XX/year> I reached out to express my concerns with the length of time it takes to process the request and how there is no way to verify if the change was effective. The representative told me she understood my concerns but noted that it takes the full XXXX to update the request. She also acknowledged that there is no way for me to verify if the change was effective in the app and I should call back on Monday. The representative was unable to provide any type of status. Capital One does not have any branches in my area and the length of time to make an update is extremely long compared to banks with a similar asset size. There is no way to view a status or even verify if the information I submitted has been received. The length of time is causing me financial XXXX as I can not make the deposit until the name change is effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused XXXX XXXX  and has taken a XXXX XXXX XXXX XXXX XXXX  Dealing with these inaccurate entries has been XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Frost Bank for repeatedly withdrawing funds from my account due to their internal errors. I do not use checks, yet Frost has processed checks against my account that belong to another customer. This has left me without access to my funds multiple times. 
Under Texas Business & Commerce Code 4.401, a bank may only charge items properly payable and authorized by the customer. Frost Bank 's actions violate this statute. Additionally, under Regulation E ( 12 CFR 1005.6 ), I am entitled to dispute unauthorized transactions and demand reimbursement within specific timeframes.

I demand immediate reimbursement of the full amount withdrawn due to these unauthorized transactions. I expect a response within 15 days, as stipulated by CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am filing this complaint to report the failure of the credit bureaus to adequately investigate my disputes concerning inaccurate negative entries on my credit report. Despite multiple attempts to resolve these issues, the credit bureaus have consistently provided generic responses instead of conducting the detailed investigations required by the Fair Credit Reporting Act ( FCRA ). These inaccuracies have damaged my credit score and made it difficult for me to access credit, resulting in unnecessary stress and financial strain.

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 2025-06-03 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: FL

Complaint narrative:
I am filing this complaint to report the failure of the credit bureaus to adequately investigate my disputes concerning inaccurate negative entries on my credit report. Despite multiple attempts to resolve these issues, the credit bureaus have consistently provided generic responses instead of conducting the detailed investigations required by the Fair Credit Reporting Act ( FCRA ). These inaccuracies have damaged my credit score and made it difficult for me to access credit, resulting in unnecessary stress and financial strain.

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 2025-06-03 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: FL

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5100.00}

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX. They are a debt collector. Their claim is that I owe money to PayPal. The total is {$260.00}. This is a scam. I never owed this nor have I ever heard a word from PayPal. The debt collectors phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). 
( XXXX, XXXX ), ( XX/XX/year> ). FRAUDULENT ACCOUNTS : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you Equifax, XXXX XXXX XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of all fraudulent accounts LISTED ABOVE. has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaints ( XXXX, XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). 
( XXXX, XXXX ), ( XX/XX/year> ). FRAUDULENT ACCOUNTS : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you Equifax, XXXX XXXX XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of all fraudulent accounts LISTED ABOVE. has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaints ( XXXX, XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the 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
Consumer complaint received 2025-06-03 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: NY

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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
This complaint is regarding XXXX XXXX. I received a message on XX/XX/XXXX that my account was restricted for review. Subsequently, I received a message that my account was being XXXX I attempted to withdraw the cash and holding in the account and the account toggled back to a XXXX  state. After contacting them via their XXXX XXXX several times, I am unable to contact them further since my XXXX XXXX  functionality has now been XXXX on both the website and mobile app. I still have not received instructions on how to XXXX XXXX XXXX my cash and XXXX in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/year> I went into an XXXX XXXX XXXX provider called XXXX XXXX XXXX in XXXX Florida. I paid a {$10.00} copay. They submitted XXXX claims on XX/XX/year> for the services provided to XXXX XXXX XXXX XXXX XXXX California. These claims were paid fully to XXXX XXXX Doctors. I have provided the XXXX XXXX XXXX XXXX emergency doctors showing that I owered {$0.00} and that they were paid. They said that they didn't receive the money, but I provided the XXXX ref number that shows they did. They will not correct the bill that says I owe {$160.00}. The collections agency - Transworld Systems XXXX still says I owe the {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally dispute and request validation of the above-referenced account, which appears on my credit report. This account, listed as a XXXX is being reported by your organization and XXXX be damaging my credit file without proper legal verification. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, I am requesting the following information : The name and address of the original creditor The full amount and itemized breakdown of the alleged debt A copy of the original signed contract or agreement showing my obligation to pay this debt Proof that you are legally authorized to collect in my state, and that you are the rightful owner or assignee of the alleged debt A full accounting of how the balance was calculated including interest, fees, and payments A copy of any judgment, if applicable Under the FDCPA, I am entitled to this information before you XXXX proceed with collection efforts. Furthermore, under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, any party that reports information to a credit bureau XXXX XXXX it is complete and accurate. Reporting unverifiable, inaccurate, or unvalidated information violates my consumer rights. 

Until this account is properly validated, you must : Cease all collection efforts, including phone calls and mailings Refrain from reporting or re-reporting this debt to any credit reporting agency Immediately delete this account from my credit file if you can not provide full validation within XXXX days Please note that I am documenting this request for legal purposes. If you do not respond within the required time frame or fail to provide sufficient validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX Attorney Generals Office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief