vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am writing to complaint regarding the handling of my Citi XXXX XXXX credit card account. 

After being approved for the card, I was asked to submit IRS Form 4506 for income verification. I promptly completed and submitted the form, and through several follow-up calls, I was assured that it had been received and was under review. I also received email confirmation stating that once my information was verified, the block on my account would be lifted, the annual fee waived, and I would be awarded XXXX Citi points. 

Several weeks later, the block on my account was removed, indicating that my information had been successfully verified. However, shortly thereafter, my account was unexpectedly closed without any prior notice or clear explanation. When I contacted customer service, I was told only to wait for a letter in the mail.

I am deeply disappointed with how this situation has been handled. I fully complied with all requests and submitted every required document promptly. The decision to close my account after verification is both confusing and unfair. Furthermore, the closure has negatively impacted my credit report, which now reflects a balance for the annual fee.

I respectfully request that my account be reinstated immediately or that a Citi representative provide a detailed explanation for the closure decision.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-06 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: NJ

Complaint narrative:
I am filing this complaint because Citibank has failed to provide critical written documentation necessary to resolve an erroneous negative balance imposed on my XXXX account. 

XXXX XXXX XXXX  The Original Transaction and Chargeback : XXXX XXXX On XX/XX/year>, I made a {$45.00} purchase via XXXX ( XXXX XXXXXXXX ). When the goods were not received, I filed a dispute with Citibank. Citibank issued a conditional credit on XX/XX/year>, which later became a XXXX XXXX permanent credit XXXX XXXX ( Citibank Dispute Case # XXXX ). 

XXXX. XXXX XXXX  The Third-Party Dispute ( XXXX ) XXXX XXXX XXXX XXXXXXXX is now claiming I received a XXXX XXXX  duplicate refund XXXX XXXX one from the Citibank chargeback and one directly from the Seller/XXXX  ( allegedly on XX/XX/year> ). As a result, XXXX reversed the chargeback credit and applied a {$45.00} negative balance to my XXXX account, which they are demanding I pay. 

XXXXXXXX XXXX XXXX  Citibank 's Failure : XXXX XXXX My Citi credit card statements do XXXX XXXX not * * reflect any refund from XXXX. I contacted Citibank and requested formal XXXX XXXX written confirmation * * that their records show XXXX XXXX no refund from XXXX XXXX XXXX was ever received or processed XXXX XXXX  by Citibank for this transaction. This document is essential proof to clear the negative balance with XXXX. 

XXXX XXXX XXXX Resolution Failure : XXXX XXXX Citibank has failed to provide this simple, factual written confirmation of my account records, leaving me unable to resolve the debt incorrectly reported by XXXX. 

XXXX XXXX  I request that Citibank immediately provide me with a formal, written document confirming that no refund from XXXX XXXX XXXX was ever received or posted to my credit card account for the {$45.00} transaction dated XX/XX/year> ( Dispute Case # XXXXXXXX XXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: KS

Complaint narrative:
I am submitting this complaint to dispute items that appear inaccurately on my Experian credit report. The disputed accounts are outlined below : Charged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-06 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
I am submitting a dispute regarding the following account ( s ) on my Equifax credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX XXXX XXXX  {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These accounts are inaccurately reported and need to be investigated for removal or correction under the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} INQUIRIES ( No entries provided ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I have no involvement with these accounts ; remove them within 15 days following USC 1681g.

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 2025-11-06 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
I told the property that my identity was stolen and that I own a home already so I have no need for an apartment. They said they couldnt remove it due to it going to collect already. This needs to be removed and cease all communication since this tactic is technically illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WA

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 2025-11-06 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 am disputing the following charged-off accounts due to inaccuracies and reporting errors that do not align with my current financial records. These items should be investigated, and any discrepancies or failures to update should be rectified according to the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} ( This account has remained marked as charged-off for an extended period without any recent updates, potentially misleading my creditworthiness. ) XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} ( The reporting of this account as charged-off does not align with my payment history. ) XXXX, XXXX, XX/XX/XXXX, {$14000.00} ( This charge-off was not communicated properly to me under the FCRA, and the balance is disputed. ) XXXX, XXXX, XX/XX/XXXX, {$12000.00} ( The reported balance appears to be inaccurate ; this requires verification. ) XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$0.00} ( The account was settled in full, and the charge-off status is incorrect. ) XXXX, XXXX, XX/XX/XXXX, {$0.00} ( There is no clear evidence of the date this account was charged-off or properly reported. ) XXXX, XXXX, XX/XX/XXXX, {$180.00} ( The account was not charged off, and this discrepancy needs to be corrected. ) XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} ( This account is reported as charged-off with no corresponding settlement or payment details. ) XXXX, XXXX, XX/XX/XXXX, {$1400.00} ( The charge-off status of this account is misleading based on the actual balance. ) XXXX XXXX, XXXX, XX/XX/XXXX, {$6200.00} ( The charge-off status does not reflect a resolution or settlement agreement. ) XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$450.00} ( This item is inaccurately reported ; the outstanding balance is in dispute. ) XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} ( The charged-off status is unwarranted as the account is in good standing. ) XXXX, XXXX, XX/XX/XXXX, {$0.00} ( This account was never charged off, and the reporting must be adjusted. ) XXXX XXXX, XXXX, XX/XX/XXXX, {$46000.00} ( There is no clear evidence that this account should be marked as charged-off. ) XXXX, XXXX, XX/XX/XXXX, {$2600.00} ( This accounts charged-off status does not align with the resolution. ) Inquiries The following inquiry was made in error or without my consent. I request that it be investigated and removed if it does not meet FCRA guidelines : XXXX, XX/XX/XXXX Late Payment Accounts I am also disputing the following late payment entries as they either do not accurately reflect my payment history or were reported incorrectly. Please investigate and correct these items to ensure they are fully accurate and in compliance with the FCRA. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: LA

Complaint narrative:
I recently signed up for a personal trainer at XXXX XXXX XXXX. Throughout the entire process is explained to me how it would work, but did not informed me that it would be a virtual process and then led me through a loan contract through healthcare financial direct that ended up costing me {$5000.00}. He was very blunt and not helpful. also, I found something on the website that says I get a refund if its within 10 business days and it was well within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> I looked at my transactions just to find out I was paid through direct deposit and chime mypay took my entire direct deposit for repayment. According to chimes own policy it states I am supposed to be notified of any automatic payments 10 days before a automatic payment is deducted. I was never notified at all I was also never notified that I had received a direct deposit. Chimes own policy also states that I have a option to pay manually in which I was never given that option. I called 8 times to speak to customer service about this issue and wanted to get a refund of my money so I can pay manually the supervisors I spoke to said they were not able to refund my money. I am going through a undo hardship and never had a opportunity to repay manually please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
In XXXX I found fraudulent and inaccurate information on my credit reports with Experian, Equifax, and TransUnion, including an unauthorized address, phone number, and several charge-offs and late payments. My data was exposed in the Equifax breach and confirmed by XXXX XXXX XXXX dark-web alerts. I filed a police report and submitted full documentation under FCRA 605B to all three bureaus requesting immediate blocking and deletion. Disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX entries . Despite proof of identity theft, these errors remain. Im requesting each bureau remove all unverifiable and fraudulent data, retain only accurate identifiers, and confirm compliance with 605B within four business 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 non-monetary relief