vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy credit card issued and serviced by Citi Retail Services. Approximately three months ago, after changing my phone number, I became unable to access or manage my account because Citi will only attempt to verify my identity by sending a one-time verification code to the old phone number, which I no longer have access to. 

Since this issue began, I have contacted Citi repeatedly to explain that the phone number on file is no longer active and to request an alternative method of identity verification. My most recent calls occurred on XX/XX/2025, XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025, not including numerous additional calls made since XX/XX/2025. 

During these calls, Citi representatives repeatedly stated that verification letters were mailed to my home address. However, I have never received any verification letters. I use XXXX XXXX XXXX, which confirms that no verification letters from Citi were ever sent or delivered. The only mail I have received from Citi consists of past-due notices. 

In an attempt to resolve this issue, I also contacted a Citibank branch to verify my identity in person. I was informed that in-person identity verification is not permitted because the Best Buy Citi credit card is considered a third-party/ Citi Retail Services account , and that branches can not assist with identity verification or account access for this type of account. 

Because Citi has refused to provide any reasonable alternative identity verification method, I have been locked out of my account for approximately three months. This has prevented me from managing my account, making payments, or updating my contact information. The past-due notices I am receiving are a direct result of my inability to access the account due to Citis verification process. 

I am requesting manual identity verification, correction of my contact information, and restoration of full access to my account.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
Company : Shellpoint Mortgage Servicing Loan Number : XXXX Issue Type : Credit reporting / Mortgage servicing / Force-placed insurance I am submitting this follow-up complaint in response to Shellpoint Mortgage Servicings CFPB response dated XX/XX/2025. 

While Shellpoint acknowledged that force-placed insurance was no longer needed and confirmed that the related charges were reversed and reimbursed after I provided proof of continuous insurance, Shellpoint refuses to correct the resulting negative credit reporting. This refusal is causing ongoing and material consumer harm. 

Key Facts ( Not in Dispute ) : I maintained continuous property insurance coverage at all times. Shellpoint placed lender-placed insurance at the time they did not have proof of insurance for my property and charged it to my escrow. Those charges caused an artificial escrow shortage and a subsequent past-due balance. They reported a delinquency to the credit bureaus, that arose solely because of the now-reversed force-placed insurance charges. After I provided proof of insurance, Shellpoint cancelled the lender/force-placed hazard insurance, reversed the charges and reimbursed the amounts.. 

Ongoing Material Harm : Since Shellpoint has refused to correct the credit reporting, I applied for a mortgage refinance and I am at the risk of being denied due to the late payment attributed to Shellpoint 's reporting. Should I loan be denied, it will constitute an actual material financial harm, not a hypothetical concern.

Basis of Dispute : Shellpoint asserts that the delinquency was accurate at the time it was reported. However, this position fails to address that : - The underlying obligation was later determined to be invalid and reversed - Continuing to report a delinquency caused by a reversed duplicate insurance purchase is materially misleading, even if it was technically accurate at a moment in time Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to reasonably investigate disputes and correct or delete information found to be inaccurate or misleading.

Shellpoints response does not explain how continuing to report a delinquency caused by a duplicate insurance purchase that has since been reversed, complies with its obligation to ensure the accuracy and integrity of furnished information, particularly where the reporting is now demonstrably harming me, the consumer.

I am attaching : Proof of continuous insurance coverage Shellpoints CFPB response Evidence of charge reversal Refinance documentation I appreciate CFPBs assistance in resolving this matter, as Shellpoints position leaves me with ongoing credit damage for an issue they have already acknowledged and corrected financially but not in my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Between XX/XX/year> and XX/XX/year> I was charged 28 separate {$36.00} fees totaling {$1000.00}. I do not make enough profit to pay even {$200.00} of fees, the snowball effect of fees has continued since I could not bring it positive from the original - {$200.00}. Now I have been charged {$1000.00} of fees. I have noticed because my electric bill won't go through and on paper I should have enough money to pay all my bills, but logging on to the internet banking I have - {$750.00} because of {$1000.00} of fees. I should have {$250.00} in my account. These fees are unaffordable. I paid over {$7000.00} of fees last year. Huntington is taking advantage of me, I spend hours at work just trying to pay their fees. I need a {$1000.00} credit and to close my account. This is not fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I was scammed by XXXX. XXXX reimbursed me {$590.00}, which was also reflected in my bank account. 

However, PayPal required me to pay {$580.00} to XXXX  out my account due to a {$7.00} credit being applied. This has resulted in me effectively paying {$580.00} out of pocket, even though I was already refunded. 

I am requesting an immediate refund of {$580.00} to correct this duplicate payment. All transactions and credits can be verified in my account history. 

Please escalate this case to a billing XXXXpecialist or back-office review for resolution as soon as possible. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Product : Credit Card ( Business ) Card : Capital One Spark Cash Case Number : XXXX Amount : {$500.00} What happened? 
I am filing this complaint regarding Capital Ones handling of a billing dispute for damaged merchandise. 

On XX/XX/year>, I was charged {$500.00} by merchant XXXX XXXX for sealed XXXX XXXX XXXX sold as collectible items. These items arrived crushed with torn shrink wrap and damaged box corners due to inadequate merchant packaging. The shipping box contained only a very small piece of bubble wrap, which was insufficient to protect collectible merchandise. 

Because these were sealed collectible products, the condition of the outer packaging and factory seal is a material part of the products value. The items received were not equivalent to what was advertised or reasonably expected. 

I contacted the merchant immediately upon delivery to request a replacement or return. The merchant refused to provide any resolution and relied on an internal policy stating they are not responsible for torn packaging, even when caused by improper packing. 

I then disputed the charge with Capital One. I provided written explanations and documentation ; however, Capital One ultimately closed the dispute, stating that my submission lacked all of the previously requested information, without clearly identifying what was missing. Capital One did not meaningfully address the physical evidence of damage or the distinction between collectible-condition merchandise and normal retail goods. 

Capital One rebilled the {$500.00} to my account and closed the case on procedural grounds rather than evaluating whether the merchandise was delivered as described and in acceptable condition. 

Why is this a problem? 
The merchants claim that the goods were received in good condition is inaccurate. 
Capital One relied on merchant assertions instead of evaluating objective evidence of damage. 
A merchants internal policy does not override consumer protection standards or the requirement to deliver goods as described. 
Capital One failed to conduct a fair and substantive investigation into damaged collectible merchandise and instead closed the dispute without clear guidance or resolution. 

I still have possession of the damaged items and the original shipping box, and they are available for inspection. I also have photographic evidence documenting the damage and inadequate packaging. 

What resolution am I seeking? 
I am requesting that Capital One : Reopen and properly review this dispute Reverse the rebilling of {$500.00} Apply the dispute standards for merchandise not as described/ damaged due to merchant packaging I am asking the CFPB to require Capital One to conduct a meaningful review of the evidence rather than closing the dispute on procedural grounds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
On or about XX/XX/year>, I reviewed my Equifax credit report and discovered multiple collection accounts being reported that are inaccurate, incomplete, and not properly verified, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX . I formally disputed each of these accounts and demanded that Equifax conduct a thorough investigation to ensure maximum possible accuracy, as required under the Fair Credit Reporting Act. These disputed accounts lack proper validation, fail to identify or substantiate the original creditor, and contain information that can not be confirmed as accurate or complete. Despite receiving notice of these deficiencies, Equifax failed to conduct a meaningful investigation and continued to report the accounts as accurate without correction or deletion. This failure to properly investigate and ensure accuracy constitutes noncompliance with federal law and has caused ongoing financial and reputational harm by negatively impacting my creditworthiness. I am filing this complaint because Equifax has ignored its legal obligation to investigate, validate, and either correct or remove disputed information that is not fully accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: KY

Complaint narrative:
Please look over the provided materials ; the inquiries were received without warning and might be unapproved.

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 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / Equifax / XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. XXXX XXXX  ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz XXXX XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. XXXX XXXX XXXX XXXX XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : EQ XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

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 2025-12-26 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 2025-12-26 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE 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 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

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

Company response to consumer: Closed with non-monetary relief