vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Avant credit card company suggested I sign up to complete a payment plan to get my over the limit fees caught up. I asked the representative will this cover all of the fees owed? he said YES. I agreed to the plan. I made my payments on time EVERY MONTH. 
The payment plan ended and I get an email stating that I still owed XXXX over my limit. This company is continuing to rip me off. 
If the plan was to take care of ALL the over the limit fees, somebody lied or somebody cant count. 
I did my part. I made my payments on time every month and I still cant get this card down. 
Again I am asking for someone outside of this company to investigate my account. If they do, they will find that from the beginning, I always made my payments on time. When I got COVID and couldnt work was when everything went to XXXX in a hand basket. They put me on a program and did not remove me from the program for a year. Then when they realized it, THAT IS WHEN THEY ADDED ALL THOSE FEES!!! 
I was not able to use the card so there are no new charges. 
If they dont fix it this time, Im going to the States Attorneys office with my complaint. Ive done nothing wrong and I have nothing to hide. But they do!, and the first thing I am going to do is suggest that they make them pull all the emails that they deleted as evidence that I am telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank has placed my account on hold without valid explanation, wrongfully labeled it as check fraud, and has withheld my {$100.00} deposit for over two weeks despite never depositing a check or committing any form of fraud. I am a single parent and low-income earner. This has caused me extreme frustration, stress, and financial hardship. 

Timeline of Events : XX/XX/2025 : I opened a checking account with Regions Bank and deposited {$100.00} from my debit  card the same day. That is the only transaction ever made on the account. 
XX/XX/2025 : I called Regions Bank to ask if I could come in and get my debit  card. I was told I could, but due to my work hours, I wasnt able to go in immediately. 
XX/XX/2025 : I received a letter in the mail from Regions stating they were closing my account. No reason was given at that time. 
XX/XX/2025 : I physically received and opened the letter. 
XX/XX/2025 : I went to the XXXX XXXX XXXX in XXXX, XXXX. The male teller with dreadlocks told me directly that my account was on hold and the notes said check fraud. He asked if I deposited any checks I told him I did not. The only deposit ever made was the initial {$100.00} through debit. 
The woman at the desk ( XXXX ) told me my account is not actually closed and she needed to contact the XXXX at the XXXX XXXX branch, which is apparently the branch my account is associated with. She said she would call me back the same day. 
She never called back on XX/XX/XXXX. Instead, she called the next day, XX/XX/XXXX, around XXXX XXXX  when banks were closed and left a vague voicemail saying nothing except for me to follow up. 

Ive now spoken with multiple customer service agents and two in-person branch reps, all of whom confirmed the account is still on hold, not closed, and no clear reason has been provided to me in writing. 

There was never a check deposited, and no fraud committed. My account does not show any negative balance, and my login is still active I can see my funds but can not access them. 

This is unacceptable. Ive been jumping through hoops, going branch to branch, calling multiple times, and still have no access to my {$100.00}. As a working single parent, this delay is harming my ability to meet financial obligations.

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 2025-07-16 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have not been able to find my Citi debit card for a number of days. At around XXXX on XX/XX/year>XXXX  I made numerous attempts to request a replacement debit card online but their website was malfunctioning. 

I finally went went through their customer service helpline and eventually at XXXX I received email stating that I would receive my new debit card. 

In addition to the checking account attached to the debit card I have 2 Citi credit cards accounts totalling 3 accounts in total. 
Around XXXX I attempted to access my accounts online but received a screen asking me to authenticate with the debit card that I had just been told would be delivered in 5 - 7 business days. This of course is impossible since it had just been requested the same morning. 

By their actions Citi have locked me out of my 3 accounts all of which I actively use without prior warning that this would happen if I requested replacement of a lost card. 

When I called customer service they asked me for a secret word- I have never had to use it in all the years I have been a Citi customer so couldn't remember what they wanted. I offered to give them account numbers to both my credit cards and my checking account but they refused. 

It is unacceptable and highly irresponsible for Citi to arbitrarily lock my accounts in a manner that makes it impossible to unlock because they are demanding information from a new card that they haven't sent yet. 

Since I don't use the card and had no imminent use for it I would never have bothered replacing it if I had known they would take such a draconian action that would cause me such inconvenience.

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 2025-07-16 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: NC

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 2025-07-16 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry 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 2025-07-16 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: TX

Complaint narrative:
This letter is a formal request to investigate and remove a fraudulent collection account currently listed under my credit report. I am not associated with this debt and did not authorize its creation.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate personal information in my credit file that directly misrepresents my legal identity and place of residence. My full and correct legal name is XXXX XXXX XXXX, and that suffix XXXX is not optional or informalit is an essential legal distinction. Despite this, Experian continues to display my name as simply XXXX XXXX, omitting the XXXX suffix and creating a high risk of file merging, misidentification, or contamination of my report with data belonging to another individual. This is not a theoretical issue ; the omission has already caused delays in verifying my identity for employment screening and financial applications. 

Additionally, the only current and accurate address tied to me is XXXX XXXX XXXX, XXXX, NY XXXX, which is where I presently live, receive all my mail, and maintain financial accounts. However, Experian continues to report an outdated and irrelevant addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, with a last reported date of XX/XX/year>. I have not resided at that address for over a decade, and its inclusion is misleading and inaccurate. 

These are not minor clerical oversights ; they are direct violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. The continued listing of outdated addresses and omission of a legally significant suffix in my name demonstrate a failure to meet even the most basic standards of accuracy and data integrity. Furthermore, under 15 U.S.C. 1681i ( a ), once a consumer files a dispute, the agency must conduct a reasonable reinvestigation within 30 days. The fact that this issue persists, despite having been flagged, signals Experians failure to comply with their reinvestigation obligations.

The personal and emotional toll of these inaccuracies has been frustrating and burdensome. Ive experienced delays in employment background checks, identity mismatches with creditors, and even rejection from housing applicationsall due to information that Experian has failed to update or correct. These mistakes are damaging not only to my credit profile but also to my ability to function in critical areas of life that depend on accurate reporting. It is unacceptable to be penalized due to data that should have been updated or deleted long ago.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have requested my credit report directly on the TransUnion website. I have requested my TransUnion report on XXXXXXXX XXXX XXXX. I have been requesting access to my credit report since XX/XX/year>. I have requested my credit report from both sites weekly and each time I have been denied access to my report. I am being impacted by not being able to access my report, and the information that is in it. The report does not come up on the site the only thing on the page is an ad for a TransUnion product. This has been the case for almost 30 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
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: VA

Complaint narrative:
First, I'm old. I'm near XXXX XXXX XXXX. Retired and live in a XXXX XXXX. Chime takes too long for transaction amounts cancelled from purchases from XXXX to be released back into my account. The amount disappears from my online real-time history for some reason. Chime won't release the funds. The transaction amount showed in my account pending on XX/XX/XXXX. It dropped off today on XX/XX/XXXX. Now it's not there because the amount has been released by XXXX because the purchase was never made or delivered because it was cancelled. I asked Chime to please release the funds back to my account. Chime is holding the funds. There are other amounts, too. I have a snap shot of the cancelled transaction I sent to Chime as proof. I communicated through the Chat feature. So I have a snapshot of concern with the chat representative. Is it AI? There are limited decisions AI can make. They take your money out of your account as fast as an e-mail. But refunds take too long to go back to your account. Some companies, like XXXX release the funds the same day when a transaction is cancelled or never delivered. Chime needs to get that enhancement. With AI Enhancements, it shouldn't take that long. They are holding the funds. They say it could take 5-7 days when the transaction is no longer visible in my account. Strange, after chatting with them the amount appeared back in the pending transactions, when it disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified several accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect my true credit history. Despite previous attempts to dispute these items, I have not received proper validation, verification, or correction. Issues include unvalidated charge-off accounts, duplicate listings with inconsistent statuses, and accounts showing late payments even though they were paid, settled, or are in good standing. Some accounts are unfamiliar or unauthorized, and others are marked as dispute resolved consumer disagrees without supporting documentation. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet unresolved errors remain, preventing me from accessing essential financial services such as housing and auto loans.

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 2025-07-16 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: TX

Complaint narrative:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified several accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect my true credit history. Despite previous attempts to dispute these items, I have not received proper validation, verification, or correction. Issues include unvalidated charge-off accounts, duplicate listings with inconsistent statuses, and accounts showing late payments even though they were paid, settled, or are in good standing. Some accounts are unfamiliar or unauthorized, and others are marked as dispute resolved consumer disagrees without supporting documentation. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet unresolved errors remain, preventing me from accessing essential financial services such as housing and auto loans.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>. 
I found 4 transations from Korean air.

{$4600.00} {$230.00} {$290.00} {$780.00} Those transations, I didn't purchase that.

So I contacted US Bank company to dispute this case, and they just concluded it because that transactions matched with my information.

So I contacted them again to reclaim it, but they just said same thing.

I sent them my Korean air purchase history, but they are just same.

Us bank they are just stealing my money and make me waiting and waiting. I am still paying interest fee now.

I need your 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate investigation of various accounts listed on my credit report that have been opened without my consent, potentially by my ex-boyfriend. I believe he has used my personal information to establish multiple accounts, including the one currently causing concern. This is a serious matter of identity theft and fraud, for which I am not liable.

Several years ago, I unfortunately lost my purse, which contained vital personal information such as my ID and financial cards. Following this incident, I suspect that my ex-boyfriend took advantage of this situation to compromise my personal information. Since then, I have discovered several unfamiliar accounts and loans taken out in my name, which I did not authorize. This fraudulent behavior is not only detrimental to my credit score but is also severely impacting my life as a single mother, complicating my financial situation and causing undue stress.

Company response to consumer: Closed with explanation