vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been a Citibank cardholder since XXXX  and have always paid my credit card balance in full every month. I also have a Citibank Accelerate savings account ( XXXX  XXXX ). I never had a problem until approximately XXXX  months ago when I tried to do a wire transfer to my checking account at XXXX XXXX XXXX XXXX. The credit union would not accept the transfer because the account names were not an exact match. The credit union has me listed as XXXX XXXX XXXX and Citi has me listed as XXXX. XXXX. 

That's where the trouble started. Citi thought there was some kind of fraud going on, so they locked my bank account. I have made numerous calls to the off-shore customer service lines. I'm XXXX XXXX XXXX and find it hard to understand their foreign accents so I've asked a friend to help with communication on some of these calls. I have answered all the secret code questions such as Mother 's maiden name, dogs name, school attended, first car. etc. I don't know what they want answered to prove my identity. They have sent codes to my phone and verified me that way also. 

I feel like my funds are being held captive and I need help. 
I wish someone in your organization would investigate this matter and try to get it resolved. I have answered all the pertinent questions, with no results. I am currently building a house and need access to these funds. Right now I am a very dissatisfied customer, who is looking forward to a speedy resolution to this problem. This problem was not created by me in any way. 
On my last attempt to get access to my money I was told the bank turned in a report to social services suspecting fraud but when I contacted someone in social services for my area, I was told that there were no open cases in my name. I've never received any written information on this issue or how it can be resolved. Any help you can provide would be appreciated. 

Your 's truly, XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$220.00} INQUIRIES : XXXX XXXX XXXX Date : XXXX/XXXX/2025

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-07-11 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: GA

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 Account number : XXXX Account name : XXXX Account number : 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

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 2025-07-11 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: GA

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 Account number : XXXX Account name : XXXX Account number : 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

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 2025-07-11 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: MI

Complaint narrative:
According to FCRA section 605B it is illegal to report information on my credit report without my permission.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I thought I got a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. However the check they gave me to send to the courier of the materials I needed for the job bounced and I sent the wire. Chase bank told me they canceled the wire transfer of {$3000.00} to a scammer at XXXX XXXX XXXX  and it did not go through on XXXX XXXX, 2025. The funds would be returned to my account. I called them multiple times to verify that the funds would be returned back into my account. They said yes, it would be returned within 5- 7 business days and I wouldnt get any overdraft fees. I called multiple times to verify this. They verified each time that it was canceled and I would receive the funds and no overdraft fees would be incurred. I called today on XX/XX/scrub>, 2025 and they are now saying that the wire transfer did go through and apparently they could have contacted to bank the wire was going to to cancel it and there was more things that couldve been done to get my funds back such as contacting XXXX XXXX the account that the money was being wired to aka the scammers. Why didnt Chase tell me sooner that they could reach out to XXXX XXXX and have them flag the reception of that wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Violation of Rights Under 15 U.S. Code 1681a ( 4 ) Under 15 U.S. Code 1681a ( 4 ) of the Fair Credit Reporting Act ( FCRA ), Congress established that : There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This law is intended to protect individuals from the harm caused by inaccurate or outdated information appearing on their credit reports. In my case, the credit reporting agenciesExperian, Equifax, and TransUnionhave violated this statute in the following ways : 1. Reporting Inaccurate or Unverified XXXX  Information The XXXX listed on my credit file is either inaccurate, unverifiable, or obsolete, and yet the agencies have continued to report it. By doing so, they have failed to meet their obligation to report only accurate and verifiable information.

2. Failure to Ensure Fairness and Impartiality The continued presence of this XXXX  harms my creditworthiness unfairly and does not reflect my current financial behavior. The law requires agencies to act fairly and impartially, yet this listing shows bias and negligence in maintaining my report accurately.

3. Violation of My Right to Privacy and Dignity XXXX is a serious and private matter. Reporting outdated or inaccurate public recordsespecially without proper verificationinvades my privacy and damages my personal and professional reputation. This directly contradicts the FCRAs intent to respect the dignity of the consumer.

4. Failure to Promptly Investigate or Correct Errors When consumers file disputes, the credit bureaus are required to conduct a timely and thorough investigation. If the agencies fail to delete unverifiable or erroneous information, they are neglecting their duty under FCRA and compounding the harm caused. 

Conclusion By allowing a misreported, outdated, or unverified XXXX  to remain on my credit report, Experian, Equifax, and TransUnion have violated their federal obligation under 15 U.S. Code 1681a ( 4 ) to act with fairness, accuracy, and respect for my rights. I am formally demanding that they correct this mistake, and if not resolved, I am prepared to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action.

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 2025-07-11 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: MS

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 non-monetary relief
Consumer complaint received 2025-07-11 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: TX

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 2025-07-11 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: NC

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian due to its ongoing reporting of multiple charge-off accounts that are either inaccurate, outdated, or unverifiable under the standards outlined by the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX XXXX  reported as a charge-off on XX/XX/XXXX for {$8000.00}, XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX reported as a charge-off on XX/XX/XXXXXXXX  for {$9800.00}, and XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX  reported as a charge-off on XX/XX/XXXXXXXX  for {$3600.00}. 

I have previously disputed these items through the Experian platform and provided documentation explaining why these entries do not meet the legal threshold for continued reporting. Yet, Experian has either failed to properly investigate or has responded with generic verbiage stating that the accounts were verified without providing any actual documentation or substantive proof of that verification. This approach does not satisfy Experians obligation under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation of any disputed information. A consumer reporting agency can not simply rubber-stamp creditor claims it must investigate disputes using original account records, not just automated data matching.

Further, under 15 U.S.C. 1681e ( b ), Experian has a duty to ensure maximum possible accuracy of the data it reports. Allowing these charge-offs to remain especially when some of them reflect XXXX balances or questionable statuses shows a clear failure to meet that standard. These accounts were either paid, disputed, or closed under circumstances that do not warrant the severe derogatory impact a charge-off label carries. Yet Experian has opted to continue reporting them without nuance or accountability. 

As a result of these uncorrected and inaccurate charge-off accounts, I have experienced long-term damage to my credit score and financial reputation. Ive been denied access to competitive loan products, rejected from housing applications, and subjected to higher interest rates due to a credit profile that paints a misleading and outdated picture of my financial behavior. Beyond the financial hardship, there has also been significant emotional distress. It is incredibly demoralizing to put in the work to rebuild your credit and financial life, only to be weighed down by accounts that should have been corrected or removed entirely based on the 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 explanation
Consumer complaint received 2025-07-11 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 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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX 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 2025-07-11 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: PA

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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt was paid in full, I was told it would be deleted.

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