vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
It is stated that I have an outstanding balance with my former XXXX account. I switched from XXXX to XXXX  because I noticed I was getting charged twice monthly. My account was paid off and closed before I switched to my new server. However, I received a bill after. I told sprint that I did not owe any money, but the bill was sent to the debt collector, Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PR

Complaint narrative:
The account being reported is a corporate obligation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Although my name appears as a signatory, the contract does NOT establish the type of guaranty, whether solidary or subsidiary, and does not create any personal liability. 

The agreement : Does not define a solidary guaranty Does not define a subsidiary guaranty Does not identify me as a personal borrower Does not authorize reporting under my personal SSN I signed solely in my capacity as a corporate officer, not as an individual obligor. 
Despite multiple written disputes, the company continues to report this obligation on my personal credit report without any contractual or legal basis, in violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank offered a promotion of spend {$800.00} or more each month from XX/XX/XXXX through XX/XX/XXXX on total eligible in-store and online retail, including XXXX, purchases with your Shop Your Way XXXX ( only purchases made after activation qualify ). Earn 10 % back in statement credits each month during this offer ( up to a maximum monthly total of {$100.00} in statement credits ). The offer was activated at the end of XX/XX/XXXX. Their offer states purchases not eligible for this offer include purchases made at home improvement stores, wholesale clubs, grocery stores or special events. 

After adding up my purchases for all categories and excluding the 4 aforementioned categories of home improvement stores, wholesale clubs, grocery stores or special events, I certainly met the minimum spending threshold of {$800.00}. I actually spent more than {$1000.00} in online and in-store eligible purchases per month from XX/XX/XXXX to XX/XX/XXXX, but Citibank will not credit the {$100.00} statement credit to my account for each of these 3 months. I am owed a total of {$300.00} in statement credits, {$100.00} per month for XX/XX/XXXX through XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The response provided does not constitute proper verification under the Fair Credit Reporting Act. 

The furnisher failed to provide a signed agreement, complete chain of title tied to my specific account, or proof that the amount being reported is accurate and authorized. 

Partial documents do not satisfy verification requirements. Please see attached document from furnisher as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I entered a XXXX Trial Payment Plan with my mortgage servicer ( Lakeview/Mr. Cooper ) beginning XX/XX/XXXX. The required trial payments of {$2300.00} were paid in full on time for XXXX, XXXX, and XX/XX/XXXX, which the servicer already confirmed as completed. After my third payment, I received a message stating the trial was successfully completed and I should receive the permanent workout documents within 710 days. 

Because the documents were delayed, the servicer instructed me to continue paying the same trial amount until the modification package arrived. I made that next payment, dated XXXX XXXX XXXX, XXXX, for the same amount, to remain compliant. 

Despite making every required payment, the servicer is now reporting me as past due for the entire trial period plus XXXX. They are demanding {$20000.00} and have issued a Notice of Default stating I must pay this amount by XX/XX/XXXX, or the loan may be accelerated and foreclosure initiated. The servicer shows multiple payments as unapplied or moved into other, rather than being credited as monthly payments. 

My online loan history also shows conflicting numbers : My XXXX, XXXX, and XXXX trial payments were drafted and cleared through my bank. 
The servicers site shows these months as {$0.00} posted or not credited correctly. 
Escrow and interest appear misallocated, causing the loan to falsely show delinquency. 

I have contacted the servicer multiple times through their message center explaining that all four payments were made. Instead of correcting the account, they closed my communication thread and then issued a foreclosure-related default notice. 

I am requesting that the CFPB review this matter and require the servicer to : ( 1 ) properly apply my payments for XXXX XXXX, ( 2 ) remove false default and delinquency status, ( 3 ) reinstate the modification process I completed successfully, and ( 4 ) stop foreclosure activity and collection notices while this account is in dispute. 

I can provide documents showing : Bank statements confirming payments were drafted Servicer screenshots showing trial approval and completion Payment application screenshots The Notice of Default demanding {$20000.00} The amount they are demanding is mathematically impossible because all required payments were made. I am trying to resolve this in good faith, and I am simply asking for the correct application of my payments and the permanent modification terms I earned after completing the trial.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Company : Chime Financial , Inc. 
Product : Checking / Debit Card Issue : Problem with a charge / Dispute handling Amount : {$380.00} Complaint Description : I am filing this complaint regarding Chimes handling of a debit card dispute involving fraud by misrepresentation. 

I authorized access to my card based on false and misleading representations. I was led to believe the transaction was legitimate and would not have provided authorization had I known the true purpose of the transaction. The funds were used for gambling activity from which I did not benefit and did not knowingly consent to. 

Chime denied my original dispute based primarily on device, login, and transaction data, despite the fact that this was not an account takeover claim. This dispute concerns authorization obtained through deception and false pretenses, which was not properly considered in the initial review. 

I have filed an FTC fraud report and provided supporting documentation requesting reconsideration. I am asking that Chime conduct a supervisor-level review under fraud by misrepresentation guidelines and provide a fair resolution. 

I am requesting reimbursement of the disputed {$380.00} and a written explanation of how fraud by misrepresentation was evaluated in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I am filing a complaint against TransUnion LLC for failing to comply with the Fair Credit Reporting Act in connection with inaccurate and unverified information appearing on my credit report. On XX/XX/year>, I submitted a written dispute demanding verification of an account reported by XXXX XXXX  ( Account No. XXXX ). I requested confirmation of the accuracy, ownership, and completeness of the information being reported. Despite this notice, TransUnion failed to provide any documentation demonstrating that a reasonable reinvestigation was conducted. 

On XX/XX/year>, I sent a second written notice after TransUnion failed to provide substantive verification or evidence from the furnisher. TransUnion continued reporting the account without explaining the method of verification used or correcting the disputed information. On XX/XX/year>, after continued noncompliance, I issued a final notice documenting TransUnions failure to verify and its continued publication of disputed information. To date, TransUnion has neither verified nor deleted the account. 

TransUnions actions constitute violations of the Fair Credit Reporting Act, including failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Continued reporting of this account after multiple disputes has caused ongoing harm.

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 2025-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief