vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$58.00} Inquiries XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It XXXX Concern, On XX/XX/year>, I visited a Citibank branch located on XXXX XXXX to open a new checking account. During my visit, I asked a personal banker whether I could initiate a same-day transfer of {$9000.00} from my XXXX checking account to the newly opened Citibank account XXXX I was explicitly told, " Yes, no problem, '' and based on this confirmation, I proceeded with the transfer. 

The wire transfer was initiated successfully from my XXXX checking account with a {$30.00} outgoing wire fee. However, later that day, I received an email from XXXX stating that the transfer had been reversed by the receiving bank, and only {$8900.00} was reimbursed XXXX ticket # XXXX. This indicates that Citibank deducted {$40.00} as a return wire fee, despite the transfer not being completed due to internal policies I was never made aware of at the time. 

On XX/XX/year>, I called Citibank customer service and was told there was no record of the transfer and that nothing could be done. I then contacted XXXX, who confirmed the funds had been returned but stated they did not charge any fee for the reimbursement. XXXX advised I contact Citibank 's wire department for further clarification. 

Upon calling the wire department on XX/XX/year>, I was informed that because my account was newly opened, it had to be active for XXXX to XXXX hours before receiving a wire transfer. This crucial information was never communicated to me at the branch. I explained that I had been told otherwise by a Citibank banker, who had even documented the {$9000.00} incoming transfer in your system. 

Despite these facts, I was told that the {$40.00} return fee could not be waived, and Citibank would not be held accountable for the misinformation provided by its personnel. Additionally, the total amount I lost due to this miscommunication amounts to {$70.00}, including XXXX {$30.00} outgoing fee. 

I made every attempt to resolve this issue through proper channels : Spoke with multiple departments ( Customer Service, Wire Transfer, Dispute ). 

Explained the situation clearly to XXXX in Customer Service. 

Was eventually transferred to XXXX ( Supervisor ), who documented my case and provided the following reference number : # XXXX. 


I request that Citibank take accountability and resolve this issue by reimbursing the fees. If this matter is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or the Office of the Comptroller of the Currency ( XXXX ). 

Please contact me if you require any additional documentation or clarification. 

Sincerely,

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Back at Christmas time I ordered gifts on XXXX. XXXX puts a hold on your card for the entire purchase amount at first but then it's supposed to get refunded and then they charge you for each individual item you purchased separately. I was charged both the hold and for each individual item. I disputes it with Bank of America and they issued temporary credit then they took the money back putting my account in the negative. I then re disputed it and the status tracker kept saying they were researching from XXXX all the way to XX/XX/XXXX. I then received an email stating they received my documentation and would be crediting my account XXXX $ but they only credited XXXX to put account balance back to XXXX. I called asked why they worked said he didn't understand it either he would notate my account and someone would get back to me. The next day XX/XX/XXXX, my account had been closed by bank of America. I call to ask why and I'm told due to inactivity, then we discuss the charges and refunds that had recently been made and I said so it hasn't been inactive and it was still in the middle of a dispute y'all emailed me and said you were crediting my account the XXXX $ but only credited XXXX $ and one worker tells me they moved money from other accounts to get that one to XXXX which is a lie and the supervisor said they just credited the XXXX $ to get account to XXXX $ so they can close it out! But the email clearly stated they would refund me not only the XXXX , but all the other fees I incurred due to the mistake, so I'm still owed money. On top of that, I had a small business loan set to be direct deposited in that account today and now it's in limbo 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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
During a recent call with Barclays, a representative was able to log into my account on their end and confirmed that my account is restricted, preventing me from accessing it or making payments. However, when they contacted another department, they claimed they could not see any restriction. This conflicting information reveals internal system inconsistencies and poor communication within Barclays. Because of this, I remain locked out of my account and unable to make payments, which is causing ongoing financial harm. I request an immediate resolution and clear explanation of why this is happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
The mortgage provider is Mr Cooper and the property is in XXXX, VA. 

We purchased this new home in XX/XX/XXXX. In XXXX of XXXX we received a tax bill and notified the mortgage company. They never paid it. In XX/XX/XXXX we received a new tax bill for XXXX and a delinquent tax bill from XXXX. They insist that these XXXX payments were made in late XX/XX/XXXX. The city sent us a new tax bill due XX/XX/XXXX that reflects no XXXX taxes as being paid and still delinquent taxes due from XXXX. I have sent all the bills to the mortgage company numerous times and have called and spoken to representatives at the mortgage company but nothing is ever resolved. As of today, according to the city, there are {$3200.00} in unpaid taxes for the first half of XXXX, {$3200.00} in taxes due in 8 days, {$690.00} in back taxes from XXXX, and {$570.00} in penalties and interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I was shopping at a J.Crew retail store when a store associate strongly encouraged me to apply for a J.Crew credit card issued by Synchrony Bank. I declined at first, knowing most credit card applications result in a hard inquiry. 

The associate insisted multiple times that this application would result in only a soft inquiry, and that I would receive 20 % off my purchase just for applying, regardless of approval. I asked for confirmation again, and the associate called over a team lead, who doubled down telling me : Its just a soft pull, and after you apply, you can decide whether or not you actually want to open the card. 

Because both employees were so confident and clear, I agreed to proceed. At no point was I informed that a hard inquiry would take place. 

When I later reviewed my credit report, I discovered that Synchrony Bank placed a hard inquiry exactly what I had been trying to avoid. 

I called Synchrony Bank at XXXX on XX/XX/year>, at XXXX PM CT, and spoke with a representative named XXXX. She told me a complaint would be filed internally and that adverse action would be submitted regarding the account. However, when I asked for a written confirmation of the complaint, she told me Synchrony does not have the option to provide any record no email, no case ID, nothing. So while they stated they were submitting something internally, there is no documentation or confirmation that it was actually done. 

I also contacted XXXX corporate customer service and spoke with XXXX, who confirmed this behavior was not acceptable. She said she would escalate the matter to the regional managers overseeing that store group, as all employees should have been properly trained not to make false claims about credit checks. According to her, it appeared multiple people in that store were mistakenly trained and she acknowledged the issue. 

This was a misleading and deceptive sales tactic that directly affected my credit and despite raising the issue with both companies, there has been no transparency or written confirmation of any action being taken. 

I am requesting : That the hard inquiry be removed from my credit report That Synchrony Bank and XXXX be held accountable for misrepresenting the nature of the credit application That store employees be properly trained and held to clear standards regarding credit disclosures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-06-06 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I asked the debt collector National Credit Adjustment to provide any original documentations with my original signature, as well as my identification indicating I establish any type of business with them for the amount of {$410.00}. I also ask them have they receive any of my information from any other party that I did not give them permission to do so and they should stop fraudulently, using my information to try and collect a debt of {$410.00} of a contract that I never establish with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did a dispute with all 3 credit bureaus. My student loan ( Department of education mis reported late payments and reported it to them. I contacted my student loan and I was never late and it was an error on their end. XXXX supposedly contacted all three credit bureaus and retracted on XX/XX/year> and that the negative reporting should be removed. I reached back out to do another dispute so that the credit bureaus can contact the Dept. of Education. Again. Also, equifax mentioned that the XXXX credit is still showing after it should be removed. This is an unfortunate situation that should not have happens to me. I am in the middle of buying a home and will potentially lose the home due to incorrect information and information not being updated immediately. I am suppose to close on my home on XX/XX/XXXX, but the lenders can not pull my report again with a low score. I was at a score of XXXX and now at XXXX, which is due to their error. This should have been fixed right away. The Department of Education already retracted and I am in good standing and never should have been reported late. Now I am waiting for the bureaus to update my credit report and score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did a dispute with all 3 credit bureaus. My student loan ( Department of education mis reported late payments and reported it to them. I contacted my student loan and I was never late and it was an error on their end. XXXX supposedly contacted all three credit bureaus and retracted on XX/XX/year> and that the negative reporting should be removed. I reached back out to do another dispute so that the credit bureaus can contact the Dept. of Education. Again. Also, equifax mentioned that the XXXX credit is still showing after it should be removed. This is an unfortunate situation that should not have happens to me. I am in the middle of buying a home and will potentially lose the home due to incorrect information and information not being updated immediately. I am suppose to close on my home on XX/XX/XXXX, but the lenders can not pull my report again with a low score. I was at a score of XXXX and now at XXXX, which is due to their error. This should have been fixed right away. The Department of Education already retracted and I am in good standing and never should have been reported late. Now I am waiting for the bureaus to update my credit report and score. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), and not in compliance with XXXX XXXX reporting standards. 

here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: 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 remove these 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 2025-06-06 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: 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 remove these 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 2025-06-06 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation