vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im reaching out because my Citi XXXX XXXX XXXX account was closed unexpectedly after I followed every step Citi asked of me. I believe this was a mistake, and Im asking for the account to be reviewed and reopened.

After being approved for the card, I was asked to send in IRS Form 4506 for income verification. I sent it in right away and confirmed several times by phone that Citi received it. Later, I got an email explaining that once my information was verified, the block on my account would be lifted, the annual fee waived, and that I would receive XXXX Citi points. 

A few weeks later, the block was removed which showed me that Citi verified my information successfully. But shortly after that, my account was closed without any warning or explanation. When I called customer service, no one could tell me why ; they just said to wait for a letter in the mail. The letter I received didnt make things any clearer.

Im really disappointed with how this was handled. I did everything Citi asked, and my information was verified. Now I have a closed account showing on my credit report with an annual fee balance which is hurting my credit for something that wasnt my fault.

Im asking for two things : Please reopen my Citi XXXX XXXX XXXX account and clearly explain why it was closed after verification Please remove any annual fee charges or negative credit reporting related to this issue. 

Ive always tried to be a responsible and cooperative customer, and I hope this can be resolved quickly and fairly. 

Thank you for your time and understanding. I look forward to hearing from someone soon.

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 2025-11-20 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: TX

Complaint narrative:
Please review the materials presented ; the inquiries came in without any warning and may not be approved.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Sunbit, Inc.
State: PA

Complaint narrative:
I received a Sunbit issued credit card on XX/XX/year> I never applied for this card. I called Sunbit immediately and they told me theyd cancel the card, update the contact info on file, and contact me if theres any updates to the case. 

They also told me to open a case with FTC, file a police report and email a copy of my license and case files to Sunbit XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-20 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: TX

Complaint narrative:
I mailed a Personal Information Update Request to TransUnion asking them to correct my identifying information and remove outdated or inaccurate data, including old names, previous addresses, old phone numbers, and former employer information. My request was delivered to TransUnion on XX/XX/year>, and supplemental documentation was delivered on XX/XX/year>. 

Under the Fair Credit Reporting Act, TransUnion is required to maintain maximum possible accuracy and respond to requests to update personal identifying information within 30 days. They have not responded, have not updated my file, and have not provided written results of any reinvestigation. As of today, TransUnion is well past the legal timeframe and continues to report inaccurate personal information. This failure to respond or update my file violates FCRA 607 ( b ), 611 ( a ), and Texas Finance Code 392.202. I am requesting that TransUnion immediately correct my personal identifying information and provide written confirmation

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 2025-11-20 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:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX, Experian ( XXXX ), and XXXX XXXX XXXX XXXX. Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, and positive accounts. 
Charged Off Accounts : XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$390.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : 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 explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-20 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: OR

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report due to inaccuracies and incomplete reporting : CHARGED OFF XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Discrepancy : This account is inaccurately reported with an incorrect balance. I request proper verification and adjustments to reflect the correct status. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is showing inaccurately with a balance of {$0.00}, and I request confirmation of its status. 

XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Discrepancy : Similar to the issues on XXXX  and XXXX, this account is inaccurately listed with a future open date. Please verify and correct this issue. 

Inquiries XXXX XXXX Date : XX/XX/XXXX Discrepancy : This inquiry is unauthorized and I request its removal.

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 2025-11-20 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-11-20 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-11-20 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: AZ

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Inquiries : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Bank Account Number : XXXX XXXX Bank XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank used right off offset to take funds awarded to me by the school system. These funds were to help put towards my education for tuition and school expenses. Truist claims they can not reverse the transaction because an attorney is collecting the debt, no court papers were ever served. I Am a full time college student and l am requesting a hardship reversal and return of the funds that I need to help me get through school which. XXXX XXXX Truist Bank in the amount of 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 2025-11-20 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: PA

Complaint narrative:
I have fraudulent accounts reporting on my consumer 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dispute claim # XXXX I called Wells Fargo todayXX/XX/XXXXXXXX  for a dispute that I had filed earlier in the week. The customer representative, XXXX, from the Credit Card Non Fraud Department was extremely unprofessional and rude. She kept on talking over me and cutting me off when I was trying to figure out what was going on and why information was missing. She kept on repeating the same thing over and over again, just so that I wasn't given the opportunity to speak. After a long while of her talking I asked her if I could speak and she went off again stating that I'm not cooperating with her. It was extremely bizarre and I was absolutely dumbfounded with the whole situation. She didn't provide me a reference number, but my dispute claim # is XXXX. I was able to get my dispute resolved with a supervisor, but I still couldn't believe how horrible she was.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid off a Chase credit card that I originally had a {$12000.00} credit limit on. Once the account was paid down in full, Chase has decreased the credit limit to {$1000.00}. This in turn, is hurting my credit score. I have been a loyal Chase customer for over 20 years. This is unfair to someone who pays their bills, has a checking and savings account to/with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MO

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, GA XXXX Date : [ Insert Todays Date ] Portfolio Recovery Associates , LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Cease and Desist FDCPA 15 U.S.C. 1692c ( c ) Account XXXX. : XXXX Last 4 of Alleged Account Number : XXXX Creditor : Portfolio Recovery Associates , LLC ( PRA, LLC ) To Whom It May Concern : I am writing to notify you, under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that I refuse to pay and/or request that you cease all communication with me regarding the above-referenced alleged debt. 

Effective immediately, you are hereby instructed to : Cease all telephone calls, emails, letters, or any other form of communication with me, except where legally permitted under 1692c ( c ), which includes : To advise me that your further efforts are being terminated ; To notify me that you may invoke specified remedies ; or To inform me that you intend to invoke specified remedies. 

Other than these limited circumstances defined by law, you are prohibited from contacting me further. 

Please acknowledge compliance with this cease-and-desist demand in writing only, if required. Any failure to comply will constitute a violation of the FDCPA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation