vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Tona Mortgage, LLC
State: AZ

Complaint narrative:
The previous page asks to click on multiple choice for something to describe the complaint and there wasnt anything that matched, so I just chose credit report. This complaint is not about a credit report. This complaint is about the Mortgage Company named XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, they are advertising for a job opportunity as an XXXX  XXXX on XXXX, after applying for the role they say that this is a wholesale mortgage broker opportunity and an NMLS license is not required to work as a wholesale mortgage broker. When I look up if an NMLS license is required to work as a wholesale mortgage broker I read information that says an NMLS license is required. I dont have an NMLS license but I am studying to pass the NMLS test and am hoping to pass soon, I was looking on XXXX for an employment opportunity in Mortgage that did not require an NMLS license. I refuse to work for XXXX XXXX XXXX XXXX XXXX because from what I read an NMLS license is required to work as a wholesale mortgage broker and I told them I had read information that an NMLS license is required to be a wholesale mortgage broker. I have never worked for them and had just applied on indeed.com to find out more information about the work posting and if a NMLS license is required. I believe they are giving out incorrect information and possibly having people without NMLS licenses working as wholesale mortgage brokers at there Mortgage Company. I wanted to submit a complaint because I dont believe they are following rules.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ON XX/XX/year> SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS

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 2025-12-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
What Happened I am filing this complaint due to Frost XXXX improper handling of my debit card dispute, internal contradictions in their investigation results, failure to provide required documentation, and the closure of my account while the dispute remained unresolved. 
I have been a Frost Bank customer for many years. Over the past several months, I reported unauthorized debit card transactions and followed all instructions provided by Frost XXXX to file disputes. Despite my cooperation, Frost XXXX repeatedly denied my claims using inconsistent and conflicting explanations. 
I received multiple written denial letters that contradict one another and also conflict with information provided to me in Frost XXXX branches and over the phone. The reasons cited for denial changed between letters, including : Whether my card was reported lost or stolen Whether the transactions were PIN-based / chip-read Whether undisputed transactions occurred before or after the disputed activity These contradictions have never been explained or reconciled. 
Failure to Provide Documentation I formally requested copies of all documents, records, and evidence Frost Bank relied upon to deny my dispute, as referenced in their letters. Despite repeated requests, Frost XXXX has never provided this documentation. 
Without access to the evidence used against me, I have been unable to properly respond, appeal, or correct errors in the dispute process.Errors by Frost XXXX Employees Errors were made during the dispute filing process that were not caused by me, including : A dispute incorrectly submitted by a banker at a Frost XXXX branch A separate dispute incorrectly handled during a phone submission Rather than correcting these errors, Frost XXXX continued to deny my claims and place the financial burden on me, creating an endless administrative loopAccount Closure and Financial Harm While the dispute was still unresolved, Frost XXXX closed my account and reversed provisional credits, leaving me with a negative balance on a closed account. 
This has caused : Financial hardship Inability to access assistance or resolution Significant stress and anxiety Repeated attempts to obtain assistance by phone and in person resulted only in promises of callbacks that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AE

Complaint narrative:
I applied for and was approved for the Citi AAdvantage Platinum credit card as part of a promotion offering a {$250.00} statement credit toward an XXXX XXXX purchase. The promotion required using the card to purchase an airline ticket. 

When I applied, the airline ticket I intended to purchase was priced at approximately {$380.00}. With the {$250.00} promotional credit, my out-of-pocket cost would have been about {$130.00}. I contacted Citi on Friday to request access to my digital card or card number so I could make the purchase immediately. 

I was told to wait 24 hours and that I would receive an email with the digital card information. No email was received. I followed up on Saturday and was told to wait another 24 hours, but again nothing was received. I contacted Citi again on Sunday and Monday and was referred to the fraud department to verify my identity. 

I attempted to verify my account using the same phone number I provided on my application to receive a verification text, but I was told the number could not be used. I was then told that a verification PIN would be sent to my email within XXXX hours and to call back once received. I never received that email. When I called again, I was informed that the verification code had instead been sent by mail through the postal service, which would take additional time. 

I was then told that the physical card would arrive in approximately 10 business days. By that time, the airline ticket price is expected to increase significantly. Instead of paying approximately {$130.00} out of pocket, the same ticket is likely to cost around {$500.00}, requiring me to pay substantially more due to these delays. 

This situation was not caused by any failure on my part. I made multiple attempts to resolve the issue, followed all instructions provided, and relied on the information given to me by Citi. The delays and inconsistent communication prevented me from accessing my approved account when it mattered most and resulted in a real financial impact to me. 

I am requesting that Citi review this issue and provide a fair resolution that accounts for the increased cost I am now facing as a direct result of not being able to access my card after approval.

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 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
SEE DOWNLOADED WORD DOCUMENT OUTLINING REBUTTAL TO PAST COMPLAINT # XXXX COMPLAINT WAS TO MOHELA RE STUDENT LOAN WHERE i AM COSIGNER. MOHELA DID NOT ANSWER ALL OF MY COMPLAINT THEY SAID i WAS CO-SIGNER AND THEREFORE RESPONSIBLE. I ALREADY KNEW THAT. FURTHERMORE THEY SAID THE MASSIVE AMOUNT OF PAST PAYMENTS ON $ XXXX LOAN AMOUNTING TO {$64000.00} LEFT A BALANCE OF {$57000.00}. I WANTED AN ACCOUNTING OF HOW IT GREW AND THE FACT IT COULD NEVER BE PAID DOWN BY AN XXXX XXXX XXXX CO-SIGNER THAT MOHELA WENT AFTER RATHER THAN THE PRIMARY BORROWER WHO LIVES THE HIGH LIFE IN XXXX XXXX. I ASKED FOR SOME EVIDENCE THEY TRIED TO CONTACT XXXX XXXX PLUS TELL ME WHY I GET BLAMED FOR THE PRICE/COST ESCALATION. SEE MY DOWNLOAD LETTER TO YOU FOR ALL THE DETAILS. YOU WILL DISCOVER IT IS ALMOST IMPOSSIBLE TO PAY OFF THIS LOAN SINCE I PAY ONLY INTEREST. SO I HAVE TO DIE BEFORE THEY WILL GO AFTER MY SON. I ONLY PAY TO AVOID GET A BAD CREDIT RATING. INCREDIBILY UNFAIR TO A SENIOR CITIZEN ON A FIXED INCOME. I NEED HELP TO GET REMOVED AS COSIGNER. I HOPE YOU CAN HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE OF IT'S DESCREPANCIES.IT 'S REPORTING AS A CHARGE OFF AND ALSO STLL SHOWS A BALANCE. I HAVE NOT RECEIVED A 1099-C.

A CHARGE OFF IS CONSIDERED INCOME ACCORDING TO THE IRS. ACCORDING TO CONGRESS 15 USC 1681 2 ( a ) ( i ) NO TRANSACTIONS ARE ALLOWED ON A CONSUMER CREDIT REPORT. PLEASE PROVIDE A 1099 C FOR THIS CHARGE OFF.

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 2025-12-16 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: TX

Complaint narrative:
PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE OF IT'S DESCREPANCIES.IT 'S REPORTING AS A CHARGE OFF AND ALSO STLL SHOWS A BALANCE. I HAVE NOT RECEIVED A 1099-C.

A CHARGE OFF IS CONSIDERED INCOME ACCORDING TO THE IRS. ACCORDING TO CONGRESS 15 USC 1681 2 ( a ) ( i ) NO TRANSACTIONS ARE ALLOWED ON A CONSUMER CREDIT REPORT. PLEASE PROVIDE A 1099 C FOR THIS CHARGE OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: MS

Complaint narrative:
NATIONAL CREDIT MGMT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT MGMT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
My identity was stolen and used to make a purchase on XXXX XXXXAffirm for XXXX on XX/XX/year> for {$740.00} ( XXXX ID XXXX ). I filed a police report with the XXXX Police Department and provided confirmation to XXXX XXXX/Affirm. 

I never received any product for this order, nor did I want to. I tried to resolve this with XXXX but they refuse to do anything. I then initiated a dispute with XXXX XXXXAffirm but they are incompetent, add unnecessary delays, and are not interested in protecting customers. I demand a full refund immediately. Affirm is a predatory company that should be shut down for misleading and unethical business practices. They do not operate with the same protections as a credit card, even though their marketing suggests otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-16 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: PA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under 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 explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am writing to dispute the inaccurate reporting of the following charged-off accounts on my credit reports from the credit bureaus listed below. These accounts should be updated or removed, as they do not reflect accurate or complete information. Please review and investigate the following accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: OH

Complaint narrative:
On XX/XX/XXXX of 2023 I paid off my loan of {$10000.00} to XXXX XXXX  and they told me four weeks I should have a title. Now they are telling me that I have to go to the DMV to get my title, when I contacted the DMV they said I still have a lien on the title. Then I contacted XXXX XXXX once again and asked for them to produce a title without a lien on it and they still have not done it.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I opened this account on or about XX/XX/year>. I set up my online account once I received my card. I used the same password that I have used for all my credit card accounts. I have never been allowed access to my account. I always received an error message ( see attached ). When I received my first bill via email in XXXX, I attempted to pay my bill ( see attached ). I attempted on several occasions to pay my bill however I was never allowed access to my account to verify the charges. I literally had to call the company numerous times to get access to my account so that I could see what charges were on my bill. To date I still have not seen my statement. Even though I tried unsuccessfully to pay my bill before the due date of XX/XX/year> ( see attached ) I was unable to and finally spent a long time on the phone to make the payment. The company then charged me a {$25.00} late fee despite knowing that I did not have access to my online account. I paid the minimum amount due pending receipt of an itemized bill so that I could see the charges. The company refused to provide me with a copy of my monthly statement reflecting the alleged charges and stated that I agreed to paperless bills- even though I was denied access to my online account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation