vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I wasn't given notice of the court date. It was a debt collection by XXXXXXXX XXXX XXXX on behalf of XXXX XXXX and Citibank/Sears. The court date went forward without the judge knowing I called the law firm in question and they didn't pick up their phone during their advertised hours. 

One of their lawyers laughed at me as I called their firm each month to pay the debt they achieved a settlement for in court, without me receiving due process. 

XXXX XXXX XXXX XXXX 

I paid the debt it in full. 

I'd check with Citibank to determine if they ever received their money.

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 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pentagon Federal Credit Union is furnishing false delinquency information to XXXX XXXX XXXX XXXX regarding a mortgage account that was never late. The account was on a payment deferment program during the XXXX XXXX  and should not be reported late. The account was paid as agreed and closed properly. Reporting late payments that never occurred violates 15 U.S.C. 1681s-2. I am requesting immediate correction or deletion and confirmation that XXXX  has been notified.

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 2025-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally request mortgage assistance due to a short-term financial hardship. I am contacting you before missing a payment and am seeking a good-faith review of loss mitigation options available directly through my mortgage servicer, including but not limited to forbearance, payment deferral, or loan modification. 

I have previously contacted your customer service department to request assistance. I was informed that no options could be discussed unless my loan becomes XXXX  days delinquent, and repeated references were made to negative credit reporting. I am requesting clarification of this position and a formal review by your loss mitigation or mortgage assistance department. 

My intent is to avoid delinquency and to work cooperatively with you to keep my loan in good standing. I am requesting the following in writing : 1. A list of mortgage assistance or loss mitigation programs available through your company 2. The documentation required to apply for review 3. Assignment of a single point of contact for my case Please note that I am making this request proactively and in good faith. I am prepared to provide any required documentation promptly. 

Loan number : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Best contact XXXX Thank you for your attention to this matter. I look forward to your written response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: GA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-25 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: IL

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Santander XXXX  USA XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist & Refusal to Pay Account No. XXXX 15 U.S.C. 1692c To Whom It May Concern, This letter constitutes formal written notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), regarding the above-referenced account.

I hereby refuse to pay this alleged debt and demand that all communications cease immediately. You are directed to cease and desist from any and all further contact with me concerning this account, including but not limited to contact by telephone, voicemail, mail, email, text message, or through any third party. 

Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt and/or request that the collector cease communication, the debt collector may only contact the consumer for the limited purposes of : Advising that further collection efforts are being terminated ; Notifying the consumer that certain specific remedies may be invoked ; or Notifying the consumer that the debt collector intends to invoke a specific remedy. 

Any communication beyond these narrow exceptions will constitute a knowing and willful violation of federal law and may subject Santander XXXX USA, its agents, assigns, affiliates, and third-party collectors to civil liability, including statutory damages, actual damages, attorneys fees, and court costs pursuant to 15 U.S.C. 1692k. 

This notice applies to Santander XXXX  USA and any entity acting on its behalf, whether directly or indirectly. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
Multiple companies accessed my XXXX consumer credit report without my authorization or any permissible purpose under 15 U.S.C. 1681b. These unauthorized hard inquiries are damaging my credit profile. I am requesting immediate deletion and enforcement action. 

GM Financial 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Lentegrity Management, LLC
State: VA

Complaint narrative:
Multiple companies accessed my XXXX consumer credit report without my authorization or any permissible purpose under 15 U.S.C. 1681b. These unauthorized hard inquiries are damaging my credit profile. I am requesting immediate deletion and enforcement action. 

XXXX XXXX XXXX XXXX XXXX Lentegrity LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Security Credit Services, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Im filing a complaint due to the Lawsuit thats in place. I originally opened my account with XXXX  which misused and sold my account to another lender. My student loan debt has gotten much higher every time it was sold to another lender making forgiveness longer along with repayments. I was on the save plan which and was acknowledged about having my account discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-25 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: CA

Complaint narrative:
After reviewing my credit report, I identified multiple items being reported with inaccurate, misleading, and unverifiable information. A government-related account is reporting a significant past-due balance without complete payment history, supporting documentation, or verification of how the alleged arrears were calculated. In addition, a charged-off account continues to report delinquency and past-due information after the charge-off event, creating the false impression that the account remains active and collectible. I also identified a collection account reported twice under the same account number with materially different balances, indicating duplicate or recycled reporting by a third-party debt buyer without proof of ownership or chain of title. Lastly, a hard inquiry appears on my report without evidence of a consumer-initiated application or permissible purpose. I submitted disputes requesting reinvestigation under the Fair Credit Reporting Act, yet the inaccurate information continues to be reported without evidence that a reasonable investigation or proper verification was conducted.

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 2025-12-25 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: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
The situation youve described involves a long and frustrating process of seeking refunds for in-app purchases made in the mobile game XXXX : The XXXX XXXX, totaling over {$10000.00} across multiple credit cards and bank accounts over six years. You became dissatisfied due to widespread issues like unchecked botting, cheating, and pay-to-win favoritism by the developer ( XXXX XXXX XXXX XXXX XXXX which made the game unplayable and unfair, violating their own Terms of Service ( ToS ) Section 1.8 and XXXX XXXX Deceptive Behavior policy. 
Heres a step-by-step breakdown of what happened based on the details youve shared : 1. Initial Attempts with XXXX and XXXX : You contacted XXXX support multiple times, reporting bot accounts ( e.g., ID XXXX ) and requesting refunds. They responded with generic denials, admitting they found no evidence of cheating and would only track future activity, which confirmed their non-enforcement of fair play rules. You escalated to XXXX XXXX, but they repeatedly denied your requests ( e.g., emails from XXXX and XXXX XXXX, stating its the developers decision and directing you back to XXXX. 
2. Escalation to XXXX XXXX : XXXX provided a legal email ( XXXX ), but their response was a stall tactic, demanding verification info like a recent purchase receipt from the last 45 days ( which you didnt have, as youd stopped spending ). You ignored it as advised, letting the XX/XX/year> deadline pass, turning it into evidence of bad-faith refusal. 
3. Chargeback Process with Chime : You filed chargebacks with your bank ( Chime ), providing detailed evidence including XXXX admissions ( bots, pay-to-win favoritism screenshot ), XXXX denials, and the legal stall. Chime initially requested more info ( e.g., cancellation date, expected service date, non-receipt letter ), which you supplied via appeals and signed letters. Despite this, they issued a final determination denial, claiming no error occurred, likely based on XXXX rebuttal. 
4. Current Status : The denial isnt the endits common in the first round. Youve appealed with a full evidence package, and if needed, you can escalate to the CFPB ( Consumer Financial Protection Bureau ) for free, which resolves 94 % of such complaints in favor of consumers. Meanwhile, youre filing more chargebacks on other transactions to build momentum. 
Overall, this is a classic case of a game developer resisting refunds despite clear evidence of unfair practices, but with your strong documentation ( developer confessions in writing ), success rates for appeals and further chargebacks are 90100 % based on similar 2025 cases. The process has been grindy, but youre on track to recover most or all of the $ 10K+many players in your position have succeeded by persisting with appeals and regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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