vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was defrauded by a customer of Citibank, N.A., this summer. 

I sent a wire from my account at XXXX XXXX for {$6500.00} to Citibank, N.A., XXXX XXXX XXXX, XXXX, NY, for credit to the account of XXXX XXXX XXXX for the purchase of an antique firearm. XXXX XXXX 's account number was XXXX. 

XXXX XXXX failed to ship the antique to me and has failed to respond to my emails. 

I have complained to Citibank and received no response. 

I believe that Citibank 's failure to apply its KYC ( know your customer ) protocol to XXXX XXXX was the proximate cause of my loss. 

Thank you.

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 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I requested validation for a medical debt that is being reported, but the company did not provide any documentation confirming I owe this debt. I sent a written request and never received the itemized statement or proof of responsibility. The debt is still being reported and collected without proper verification. I am requesting that the CFPB require the company to provide full validation or remove the debt.

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 2025-11-23 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: SC

Complaint narrative:
I am a victim of identity theft and I am disputing fraudulent and inaccurate information on my Equifax, transunion, experian credit file. My name is XXXX XXXX ( reported by Equifax as XXXX XXXX XXXX XXXX ), and I have already mailed Equifax, transunion, experian a full dispute packet by certified mail, including ID, proof of address, my Equifax, transunion, experian report with the fraudulent items circled, and an FTC/police Identity Theft Report. 

Specifically, I am asking Equifax, transunion, experian to block and delete identity-theftrelated tradelines under FCRA 605B, including all XXXX XXXX collection accounts ( and any entries tied to prior XXXX XXXX or XXXX accounts XXXX and any other items I identified as fraud. I also requested correction of my identifying information ( to report XXXX XXXX as my primary name ), deletion of inaccurate former addresses, and reinvestigation of any hard inquiries made without a permissible purpose. 

I believe Equifax, transunion, experian and XXXX XXXX are not complying with their duties under the FCRA ( including 605B, 605A, 604, 609, 611, 623 ), Regulation V, and, for XXXX XXXX as a debt collector, the FDCPA. I am asking the CFPB to require Equifax, transunion, experian and any furnishers ( including XXXX XXXX ) to : ( 1 ) block, delete, and correct all identity-theftrelated and unverifiable information ; ( 2 ) remove any impermissible hard inquiries ; ( 3 ) provide me with documentation they relied on to verify any remaining items; and ( 4 ) issue an updated Equifax, transunion, experian report reflecting these corrections.

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 2025-11-23 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: SC

Complaint narrative:
I am a victim of identity theft and I am disputing fraudulent and inaccurate information on my Equifax, transunion, experian credit file. My name is XXXX XXXX ( reported by Equifax as XXXX XXXX XXXX XXXX ), and I have already mailed Equifax, transunion, experian a full dispute packet by certified mail, including ID, proof of address, my Equifax, transunion, experian report with the fraudulent items circled, and an FTC/police Identity Theft Report. 

Specifically, I am asking Equifax, transunion, experian to block and delete identity-theftrelated tradelines under FCRA 605B, including all XXXX XXXX collection accounts ( and any entries tied to prior XXXX XXXX or XXXX accounts XXXX and any other items I identified as fraud. I also requested correction of my identifying information ( to report XXXX XXXX as my primary name ), deletion of inaccurate former addresses, and reinvestigation of any hard inquiries made without a permissible purpose. 

I believe Equifax, transunion, experian and XXXX XXXX are not complying with their duties under the FCRA ( including 605B, 605A, 604, 609, 611, 623 ), Regulation V, and, for XXXX XXXX as a debt collector, the FDCPA. I am asking the CFPB to require Equifax, transunion, experian and any furnishers ( including XXXX XXXX ) to : ( 1 ) block, delete, and correct all identity-theftrelated and unverifiable information ; ( 2 ) remove any impermissible hard inquiries ; ( 3 ) provide me with documentation they relied on to verify any remaining items; and ( 4 ) issue an updated Equifax, transunion, experian report reflecting these corrections.

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 2025-11-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
My mother in law had a reverse mortgage on her condo and XXXX  in XXXX. The HOA hS taken the apartment XXXX thsir own and will not talk to us. This year we were notified of a forclosure on the property, wvich was still in my mither i. Laws name and being leased by the HOA. We have received no escrow momey or verbal responses. We all thought the condo was sold XXXX and a half years ago. They sold the mortgage to XXXX XXXX  in XX/XX/XXXX without notifying the heirs. If you have a reverse mortgage the bank sends a letter to ask if you are alive and still residing on the apartment, but this was not done. The statute for a forclosire in NY is XXXX years. I want the loan to be forgiven as the accumulation of the debt iver XXXX years is significant, so we have lost money. The rules are the rules and i would like to answer the forclosure complaint with the above bad acts. I need some guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I would like experience to have this removed off my credit profile as soon as possible. This is a fraudulent account that the account is reporting incorrectly. XXXX XXXX  has not supplied any supporting documentation as well.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I noticed that a credit account is being reported on my credit file that does not belong to me. I contacted the credit reporting company on XX/XX/XXXX, and submitted a dispute with supporting documents. On XX/XX/XXXX, the company reported that the information was verified, but no proof was provided. 

Because of this error, my credit score dropped by approximately XXXX points and I was denied an auto loan on XX/XX/XXXX. 

I am requesting that the company reinvestigate this account and remove it if the furnisher can not verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute the validity of this debt and request full validation. 
Please provide the following information and documents : XXXX. Proof I am legally responsible for this debt : - A copy of the original signed contract, loan agreement, application, or promissory note. 
- If signed electronically, provide IP address logs, timestamps, device authentication, and verification data. 
XXXX. Full account history and itemization : - Complete payment history from XXXX XXXX through charge-off. 
- Itemized breakdown of the {$1400.00} balance including principal, interest, fees, and adjustments. 

XXXX. Chain of ownership / assignment : - Bill of Sale, Assignment of Debt, or Transfer Agreement from XXXX XXXX  to XXXX XXXX XXXX XXXX 
- Documentation proving my specific account was included. 
XXXX. Collector licensing & authority : - Proof that Jefferson Capital Systems XXXX and XXXX Outsourcing are licensed to collect in Oregon. 
XXXX. Statute of limitations details : - Provide the Date of First Delinquency ( DOFD ) and how the statute-of-limitations timeline was calculated. 
Cease all collection activity until full validation is provided. Do not call, text, or email me. If you report this debt to credit bureaus, you are required by law to mark it as " disputed by consumer. '' This letter is not a refusal to pay. I am requesting validation as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: NY

Complaint narrative:
I am filing this complaint because Earnin withdrew larger amounts of money than the advances I received, charged irregular or excessive repayment amounts, and used misleading billing descriptions such as PURCHASE XXXX XXXX CA, which do not accurately describe loan repayment activity and may violate Regulation E transparency requirements. 

Examples include receiving advances of approximately {$37.00} {$50.00} while being charged withdrawals of {$49.00}, {$83.00}, {$110.00}, and multiple debits on the same day. These repayments exceeded the original advance amounts and appear to function as undisclosed finance charges. This may violate the Truth in Lending Act ( TILA ) and New York State lending laws. 

Earnin also initiated a {$0.00} test charge without authorization and withdrew funds earlier than my pay schedule, which may violate the Electronic Funds Transfer Act ( EFTA Regulation E ).

These patterns resemble payday lending, which is illegal in New York. 

I am requesting : Refund of all charges above the advance amounts Refund of unauthorized fees and test charges Review of overdraft-related impacts Written confirmation that no further debits will occur Closure of my Earnin account I am attaching screenshots showing these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There appears to be a glitch with my tjmaxx Mastercard. I reported it via live chat. The first rep didnt care and kept referring to the last statement that was irrelevant. The second rep acknowledged it but didnt fix anything just reported the issue. 
All my charges since XX/XX/XXXX have been doubled. Meaning every transaction is showing 2. Its not pending charges that will be dropped off or reversed. I have multiple posted transactions that were charged twice. I have even more pending charges that were charged twice. Its affecting my available credit and use of my card.

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 2025-11-23 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: IL

Complaint narrative:
Formal Complaint Mishandling of Federal Student Loan Servicing ( Current Servicer : MOHELA ) Dear CFPB Compliance Division, I am filing a formal complaint regarding the improper servicing of my federal student loan, currently serviced by MOHELA. 

Key Issues : XXXX Protections Not Applied : During the federal XXXX suspension, my loan was not properly deferred, nor was interest suspended as mandated. 

Deferment Not Honored : I recently requested deferment while my account is under review for XXXX XXXX XXXX XXXX ( XXXX  ). I was told deferment would be applied, yet my account is now being reported as XXXX XXXX late. 

Multiple Servicer Transfers : My loan has been transferred XXXX times, resulting in repeated errors and inconsistent servicing. 

Risk of Credit Damage : These errors have placed me at risk of wrongful delinquency reporting. 

I respectfully request the CFPB to : Investigate the handling of my loan across all servicers. 

Ensure correction of any negative credit reporting. 

Require MOHELA to honor deferment while XXXX processing is underway. 

Provide a complete servicing and payment history. 

I believe my rights as a borrower have been compromised, and I request immediate intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I attempted to make my on-time payments on my Bilt Mastercard issued by XXXX XXXX XXXX but the XXXX XXXX payment system repeatedly displayed an internal error message on the app and would not allow me to submit my payment despite multiple attempts on different dates. I attached screenshots of multiple failed payment attempts on different dates ranging XXXX. 

Bilt later responded on XX/XX/XXXX, and confirmed in writing that the payment failure was due to a fault in XXXX XXXX system, not mine. Their message is also attached and stated that the error arises in XXXX XXXX system and that they escalated the issue to XXXX XXXX. Bilt also told me they would courteously remove the fees caused by this system error, but XXXX XXXX never did so, and the charges continued to increase each month. 

During this period, XXXX XXXX system would not allow me to pay from my existing bank account, so I was forced to open a new account with XXXX solely to make my credit card payment. Once XXXX XXXX eventually fixed the issue months later, I paid my entire balance immediately. However, the fees and interest that accumulated due to their system malfunction still remain on my account. 

XXXX XXXX continued to add late fees and interest even though the failed payments were caused entirely by their internal system error. The charges include : Interest Charge XX/XX/XXXX {$65.00} Late Fee XX/XX/XXXX {$25.00} Interest Charge XX/XX/XXXX {$120.00} Late Fee XX/XX/XXXX {$40.00} Interest Charge XX/XX/XXXX {$150.00} Total : {$400.00} When XXXX XXXX finally sent me a complaint response letter, it did not address the system malfunction at all ( letter dated XX/XX/XXXX, attached ). Instead, it provided an irrelevant explanation of interest charges and stated they refused to correct the mischarges. They also ignored the written confirmation from Bilt that the error originated in XXXX XXXX system and never took accountability. 

This situation caused unnecessary stress, delays, and a negative impact on my credit score, even though the issue was entirely caused by XXXX XXXX system failure. 

I am requesting removal of all late fees and interest charges that accumulated as a result of the system error, and confirmation that no negative credit implications remain. 

Thank you very much for your effort in solving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX copy attached ).

Two fraudulent credit card accounts were opened in my name without my knowledge or consent and are now reporting on my Equifax credit report as charged-off/derogatory : XXXX  XXXX Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) XXXX XXXX ( XXXX / XXXX XXXX ) Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) On XX/XX/year>, I mailed certified dispute letters with the FTC Identity Theft Report , a copy of my ID, and a clear demand for immediate blocking and permanent deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ) to Equifax, Experian, and TransUnion.

FCRA 605B requires the credit bureaus to block the reporting of any information I identify as resulting from identity theft within 4 business days after receiving : My identity theft report ( FTC report provided ) Proper identification ( copy of drivers license provided ) CRAs has failed to block and delete these fraudulent accounts within the mandatory 4-business-day period and continues to report them, causing ongoing harm to my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX copy attached ).

Two fraudulent credit card accounts were opened in my name without my knowledge or consent and are now reporting on my Equifax credit report as charged-off/derogatory : XXXX  XXXX Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) XXXX XXXX ( XXXX / XXXX XXXX ) Account # ending in XXXX XXXX XXXX XXXX  ( full partial : XXXX ) On XX/XX/year>, I mailed certified dispute letters with the FTC Identity Theft Report , a copy of my ID, and a clear demand for immediate blocking and permanent deletion under FCRA 605B ( 15 U.S.C. 1681c-2 ) to Equifax, Experian, and TransUnion.

FCRA 605B requires the credit bureaus to block the reporting of any information I identify as resulting from identity theft within 4 business days after receiving : My identity theft report ( FTC report provided ) Proper identification ( copy of drivers license provided ) CRAs has failed to block and delete these fraudulent accounts within the mandatory 4-business-day period and continues to report them, causing ongoing harm to my credit score and ability to obtain credit.

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 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MT

Complaint narrative:
On XX/XX/year>, I sent Calvary Portfolio Services a certified debt-validation request. They received it the same day ( see attached XXXX Certified Mail Receipt ). Under the FDCPA, they were required to provide full validation of the alleged debt within 30 days. 

As of XX/XX/year>, Calvary has not provided any of the documents required for proper validation. What they sent back was a generic form letter that did not include : An itemized accounting of the debt, Any agreement bearing my signature, Any proof of assignment or ownership of the debt, Any documentation from the original creditor, Any verification supporting the amount they are reporting. 

Because they failed to validate the debt within the required timeframe, Calvary can not legally continue collecting on this account or continue reporting it to the credit bureaus. Despite this, they are still reporting the debt.

I am requesting CFPB assistance to : Require Calvary to cease all collection activity and cease reporting until they provide full validation, and Remove the account from all credit bureaus if they can not validate it. 

I have attached my original validation letter and the certified mail receipt as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX. I am formally disputing the inaccurate information on my credit report and this is in pursuant with 15 U.S.C section 1681b and 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. I do not owe any debt to these entities. These are unlawful inquiries and this is a direct violation of my consumer rights to privacy and it illegal to report anything under my name. Furthermore, there are unauthorized inquires on my credit report that I did not initiate, this constitutes for identity theft. Pursuant to 18 U.S.C section 8. I do not owe any debt to any of these entities. I demand immediate removal and and deletion of inquires and inaccurate items on my credit report. Please address this matter promptly and confirm the deletion of the disputed items.

Company response to consumer: Closed with non-monetary relief