vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$500.00} for my car loan, expecting it to be processed as usual. However, the payment was subsequently not acknowledged by the car loan company. They informed me that they did not receive the payment and that Citizens Bank intended to report this as an unpaid bill to the credit bureaus, which I believe to be false. 

Despite providing proof of the payment through my bank statement, the loan company has refused to acknowledge my payment or issue a refund for the additional payment I was forced to make. As a result, I found myself in a difficult position, having to take out a loan to cover this additional payment. 

I have attempted to resolve this issue directly with Citizens Bank, but I have not received any assistance or resolution. I am deeply concerned about the impact this situation may have on my finances and credit score.

I would greatly appreciate your guidance and assistance in addressing this matter with Citizens Bank. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovative Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX RE : Request for Debt Validation To Whom It May Concern, I am writing to you in response to a notice I received on XXXX regarding a debt you claim I owe. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request that you provide validation of the debt in question. Specifically, I am requesting the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any interest, fees, or charges.

3. A copy of any judgment, contract, or agreement bearing my signature which shows that I have a legal obligation to pay this debt.

4. Proof that you are licensed to collect debts in my state, including your license number. 

Until you provide the requested documentation, please cease all collection activity, including reporting this debt to any credit reporting agency. 

Please note that any attempt to collect this debt without providing proper validation is a violation of the FDCPA, and I will not hesitate to report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I am requesting that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted my student loan servicer, MOHELA, regarding a letter I received on XX/XX/XXXX, which stated that despite prior documentation and federal guidance indicating my loans should not be accruing interest under the SAVE forbearance program, my loan balances are indeed accruing interest. 

Previously, in XX/XX/XXXX, I received two letters from MOHELA and XXXX XXXX confirming that my XXXX federal student loans had a 0 % interest rate and would not accrue interest during the forbearance period. However, beginning XX/XX/XXXX, my loan statements began showing increasing interest charges, which have now accumulated to a total of {$5800.00}. 

My first call with MOHELA on XX/XX/XXXX started at XXXX XXXX  and lasted XXXX minutes. During this call, I spoke with a representative named XXXX, who placed me on silent hold and then disconnected the call without explanation. 

I immediately called back at XXXX XXXX  and spoke with another representative named XXXX. XXXX verbally assured me that the accrued interest will be wiped out once the ongoing XXXX litigation resolves. I requested written confirmation or any documentation of this, but XXXX transferred me to the XXXX Department. After waiting nearly two hours on hold, I spoke with a representative named XXXX, who informed me that no documentation exists to support this explanation and, when asked if she could follow up with a written summary of what she explained to me, refused to provide any form of written email confirmation. XXXX also stated the balance would eventually be settled when the litigation concludes and assured me my questions would be noted on my account for future reference. This second call lasted 1 hour and 57 minutes total.

Despite multiple attempts, I was unable to obtain a clear, documented explanation for the accrual of interest on my loans or any assistance in correcting the issue now. The representatives only offered vague promises that the interest would be removed in the future, without providing any official or verifiable information. 
I am requesting the Consumer Financial Protection Bureaus assistance in obtaining a clear, documented explanation from MOHELA and ensuring my loan account is corrected in accordance with federal guidance and the SAVE forbearance terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-06-06 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: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-06-06 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: MD

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-06-06 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: MD

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX AXXXX. Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
All three major credit bureausXXXX Experian, and XXXXare reporting a late payment on my account with XXXXXXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2017. While the account is marked as closed and paid with a XXXX balance and no past due amount, the late payment notation remains on my credit report. This is misleading and unjust. 

The presence of a late payment on an account that is fully paid and closed confuses the true status of my credit history and unfairly damages my creditworthiness. Despite the XXXX balance and the account being closed, this negative mark continues to harm my financial reputation without justification. 

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed serious shortcomings in how XXXX  Experian, and XXXX  handle disputed information. Specifically, the CFPB has uncovered that XXXX has failed to conduct proper investigations, often performing superficial or sham reviews that violate the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), these agencies are required to conduct reasonable reinvestigations of disputed items within 30 days, and per 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly corrected or deleted. The failure to remove or update this late payment notation is a clear violation of these requirements. 

Given the conflicting informationan account closed and paid in full yet still carrying a late paymentI believe this data is inaccurate or outdated, possibly the result of systemic failures or even data breaches affecting the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am a 100 % VA-rated Total and Permanent XXXX Veteran. I received an email from XXXX on XX/XX/year>, attempting to collect a debt on behalf of XXXX XXXX. I had previously sent a certified debt validation letter to XXXX, which was returned undelivered. 

Prior to TrueAccords contact, I had reached out to other collection agencies, including XXXX XXXX and XXXX XXXX XXXX, both of which stated they had no record of any debt associated with my name or Social Security number. 

Despite these efforts, TrueAccord initiated collection activities without providing proper validation of the debt. I am requesting that the CFPB investigate this matter, ensure that TrueAccord ceases all collection activities until proper validation is provided, and that any related tradelines be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. 

These late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms.

The Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase on XX/XX/year> on my credit card that was charged a purchase fee which should not have been applied. As per my credit card statement " Your due date is at least XXXX days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. '' Essentially, no fee if paid by the due date. 

I had also made a balance transfer before this time, and per the letter of acceptance for my balance transfer offer " Interest will be charged on purchases unless you pay the New Balance shown on your statement by the due date each month. If your New Balance includes a Citi Flex Plan, interest will be charged on purchases unless you pay the Adjusted New Balance shown on your satement, plus any Citi Flex Plan. '' Essentially, the balance transfer offer should have no impact if I pay my transaction on time. 

I have no Citi Flex Plan.

Before the due date on my billing statement, I paid the entire New Balance, which included my purchase in XXXX, as well as the minimum payment for the balance transfer, but I was charged interest anyway. I reached out to the company, who had me on hold for XXXX hours before telling me I would receive a refund before pivoting and refusing to explain why I was charged interest and simply telling me the charge is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
After reviewing my credit report I found fraudulent accounts impacting my credit. Please remove these accounts from my credit as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened an account with Marcus by Goldman Sachs on XX/XX/year> and put about XXXX into it. On XX/XX/year> they emailed me i have changed my preference of statement delivery method and asked me to contact them if i didn't request so. I didn't, so i tried to log into my account to see what was going on, and then i found out it has been locked. On the app they asked me to call them to get unlocked. I called, after several transfers to different employees they told me they are gon na reach back to me for this in one business day. They never reached back to me. I called again and again, 5 times in all, and they still didn't unlock my account and refuse to even let me know when can i have access to my own money. I also gave them the option that they can just cancel my account and send the money back to where it come from ( my another bank account from another bank ) but they refuse to do so again. I'm a student and i need my money to pay my rent, this is very frustrating that i don't have any control over my own money.

Company response to consumer: Closed with explanation