vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a check for {$10000.00} into my Citibank account on XX/XX/year>. The check was issued to both myself and my business name. The check cleared on the insurers end, and the funds were received by Citibank. 

Shortly after the deposit, Citibank froze the funds, flagged the account for closure, and initiated a XXXX  day closure process. The funds show as a balance in my account but remain completely unavailable. 

Ive repeatedly requested written confirmation of what will happen to the funds, and Citibank has refused. A supervisor told me my business name is not on the account and my name is not on the check which is false information as far as my name not being on the check. Its paid to my company/ my name and also endorsed to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my first client and I did not think it will be an issue since my name is on the check and endorsed. Citibank accepted the check advising they have to and they not able to not accept it. The check has been verified by my clients bank and cleared. Funds withdrawn from my clients account and Citibank bank will not release the money to me, and that the funds will not be returned unless the insurer files an indemnity claim. I also requested that they either return or reverse the funds so the insurer can reissue the check I was told, inaccurately, that there is no option to return or reverse even though the insurers bank confirmed Citi had the choice to accept or return the check during clearing. I was also told from Citibank funds are being hold for possible return which is also inaccurate, due to check being verified by the insures bank, cleared and withdrawn. I also provided Citibank with date and time of the transaction given to me from my clients bank representative. 

As it stands now : The insurer sees the funds cleared The balance still shows in my Citi account Citibank will not release or return the money I am left with no access to funds I legally earned Citibanks handling of this issue is inconsistent, undocumented, and opaque. They are refusing to give written proof of the hold, closure process, or disposition of the funds. 

I am asking the CFPB to : 1. Require Citibank to disclose the exact status and legal basis for withholding the funds 2. Clarify whether the check has been returned or remains in Citis custody 3. Ensure that my funds are released or returned to the issuer promptly This situation is causing serious harm, as the check issuer will not reissue payment while the funds remain frozen. I am requesting immediate regulatory intervention.

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 2025-06-18 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:
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 report all 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 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 2025-06-18 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: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 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

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 2025-06-18 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:
Today, I came across some incorrect accounts on my credit report and I have no clue how they ended up there. I checked my report as I normally do, but this time unusual inconsistencies appeared. I attempted to reload the page in case it was a temporary glitch, but nothing changed. Therefore, I ask that the documents I provided be examined in detail so I dont have to deal with this concern anymore.

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 2025-06-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/year> ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Sezzle Inc.
State: PA

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. SEZZLE INC Account XXXX : XXXX Fraudulent Inquiries : XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 These accounts and inquiries were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security XXXX FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Informative Research
State: PA

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SS # : XXXX ) To Whom It XXXX Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am formally disputing multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The credit report you have provided contains multiple inaccurate, incomplete, and unverifiable entries that directly harm my financial standing. Your failure to maintain accurate data as required under 15 U.S.C. 1681e ( b ), 1681i, and 1681b is unacceptable.

I invoke my rights and demand the following : Full investigation with proper verification and documentation.

Certified physical evidence that substantiates each account, collection, and inquiry listed below.

If such documentation can not be provided in full compliance with FCRA and Metro 2 standards, you are required to DELETE these items permanently. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Name 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 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 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  Your failure to follow XXXX XXXX XXXX  XXXX  standards threatens data integrity and accuracy XXXX both of which are your legal responsibility. Continued reporting of unverifiable or inaccurate data constitutes willful noncompliance and reckless disregard for the law, as outlined in FCRA 1681n and 1681o.

If you do not comply within the timeframe allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General for enforcement action.

I demand that you provide : A detailed reinvestigation report Physical copies of verified documentation supporting each entry An updated copy of my credit report reflecting your actions Failure to comply will be considered a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: DE

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-18 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: RI

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 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

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It XXXX Concern, I am an XXXX  Citibank customer currently in XXXX for XXXX. 

On Tuesday, XX/XX/year>, I was informed via text that my account had been compromised and would need to be closed and replaced. Since that date, I have had severely limitedor noaccess to my checking and savings accounts, and I have been unable to consistently withdraw money or pay bills. 

I attempted to resolve the issue with Citibank by phone, but the support has been inconsistent and ultimately ineffective. There are no Citibank branches in XXXX, and I later confirmed with XXXX XXXX that Citi branches in XXXX are legally separate and unable to assist XXXX account holders. I also attempted to contact my local XXXX branches, but no one answered the phone. 

Despite multiple lengthy international phone calls, I still have no consistent access to my funds, including approximately {$5000.00} in checking ( I also have a brokerage account ). On XXXX occasions, I was briefly able to have the block lifted for XXXX minutes to withdraw casheach requiring phone conversations of at least XXXX minutes. During the second instance, a representative told me the block would not be removed. When I asked to speak with someone who could help, I was told to just recall the number. In that case, I called XXXX and, after about XXXX minutes, was able to withdraw cash. 

XXXX days ago, my payroll was deposited into my account, but regularly scheduled bill payments are not being processed, nor are one-time payments. ( For example, my cell phone bill is now at least twice as high as usual. ) Tonight, I called again to request assistance with paying my bills. After another long phone call, I was told I needed to open a new accountonly to be informed XXXX minutes later that this was impossible because I am abroad. I knew that XXXX weeks ago. 

To date, I have : Spent hours on international calls, often repeating the same steps with no escalation or resolution Been unable to pay bills despite having funds in my account Lost valuable time I should be spendinXXXX XXXX XXXX XXXX XXXX  I respectfully request that Citibank : Restore stable access to my account or allow me to open a new XXXX immediately Provide written clarification on how international customers can access account services in crisis situations Stop requiring repeated calls with no case continuity, and offer a secure written communication channel to resolve such issues My situation is urgent I will be in XXXX for another XXXX weeks and need reliable access to my funds. This is my money and credit report and peace of mind. Citibank must do better. 

Thank you for your help. 

Sincerely, 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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card account was closed by JP Morgan Chase due to abuse of disputes system. They claim I was abusing the disputes system by submitting too many. When you are a consumer and use money to purchase something, you expect to receive it and also receive it as described when purchased. All of my disputes were accurate and grounded with evidence to support my side. Merchants sometimes do not want to give money back or work on a resolution with the customer so the only option is to dispute with the bank. I knew I was submitting many disputes but it is because I had no other choice. I am not going to let a merchant rob me and think that is acceptable. All of my disputes have evidence but the bank claims I was simply abusing and benefiting, therefore they closed my account. I would like for the CFPB to send a letter to JP Morgan Chase about re-evaluating their decision and to reinstate my account. If that resolution is not achieved, I will pursue by other means.

Company response to consumer: Closed with explanation