vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a catch 22 situation that I now believe the credit card is quite happy with since they can charge all the fees they want. 

On XXXX XX/XX/XXXX, I disputed by mail charges from XXXX XXXX ( an internet host provider ). XXXX has since totally ignored my requests in spite of 3 more letters sent XX/XX/XXXX to two different addresses at my disposal and on XX/XX/XXXX. Since the phone number I was given always resulted in never ending wait, I went in person to XXXX twice in XXXX and in XXXX asking that a statement be sent to me by mail so that I can pay them. Every time, I was asked to answer a security question I NEVER gave an answer for ( What is your favorite snack ). When I applied for this credit card in XXXX, I gave answers to 3 different security questions. These were never asked! But the end result was that the calls ended without resolution. 
In early XXXX, I noticed that access to my citi credit card account had been blocked. I could no longer log in to do anything such as finding my balance. During my phone conversation with them in XXXX and in XXXX I explained the situation and demanded that a statement be sent to me by mail. To no avail. 
Tired of unending difficulties, I cancelled this card and sent it back cut in pieces on XX/XX/XXXX asking again for my final statement. 
On that same date, I noticed suspicious activities on my bank account which is linked to this card. After consulting with the bank, I decided to close my current account and open a new one. 
On XX/XX/XXXX, I filed a complaint with the BBB but only obtained another letter demanding that I again waste hours on the phone to address a security verification that had gone nowhere so many times before. I therefore elevated my complaint to the CFPB on XX/XX/XXXX. I received this morning yet another action required form demanding that I again waste hours on the phone with city. 
I WILL NOT. 
Citi has blocked my access to an account for a card I cancelled and returned cut in pieces in XXXX. They have been informed of my situation by phone and Mail and know of my repeated requests for a statement so that I can pay them. I have to conclude that Citi in in bad faith intending to use a catch 22 situation to extort the customer with their outrageous late fees. This will not stand!

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 NY XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} INQUIRIES : 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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
Financial Harm : Suffered {$2100.00} in promotional interest charges due to GoodLeap 's deficient loan documentation and malfunctioning payment systems that prevented timely loan payoff, despite perfect payment history and clear intent to satisfy promotional terms. 

Loan Terms and Documentation Deficiencies : - Executed home improvement retail installment contract in XX/XX/XXXX for {$11000.00} with 12-month promotional period - Contract failed to specify the exact promotional period end date, violating basic disclosure requirements- Maintained perfect payment history with 11 consecutive on-time payments throughout promotional period - Lack of clear promotional deadline created impossible compliance situation for borrower Payment System Failures and Access Denials : - Attempted timely loan payoff in XX/XX/XXXX using established payment portal - Payment portal had been unilaterally changed without sufficient guidance on how to create a new account, creating access barriers- Redirected to GoodLeap website with confusing, non-functional payment interface - Unable to access account information during critical XX/XX/XXXX timeframe when promotional deadline approached - Multiple attempts to navigate new system required extensive troubleshooting and resulted in delayed payment capability - System deficiencies prevented borrower from exercising right to avoid promotional interest despite willingness and ability to pay Evidence of Good Faith and Financial Capability : - Made {$9500.00} payment on XX/XX/XXXX, immediately upon gaining system access - Subsequently submitted full loan payoff to prevent additional interest accrual - Demonstrated both intent and financial capability to satisfy promotional terms if systems functioned properly Inadequate Company Response : - Filed formal complaint XX/XX/XXXX ( Case XXXX  XXXX ) - Company denied {$2100.00} credit request on XX/XX/XXXX, without acknowledging any documentation or system deficiencies- Company refused to remedy charges that resulted from their own operational failures - Case closure without resolution demonstrates company 's unwillingness to address consumer harm caused by their practices Consumer Protection Concerns : - Pattern of behavior likely affects other consumers facing similar promotional deadline pressure - Inadequate disclosure practices and payment system barriers create unfair advantage for company - Company profits from system deficiencies that prevent consumers from exercising contractual rights This case represents a clear example of unfair business practices where operational deficiencies resulted in consumer financial harm that the company refuses to remedy despite clear evidence of causation and consumer good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
My information has been used inappropriately without my consent. The credit bureau doesnt have the right to make a credit report without my consent. I am called requesting an amount that I have no clue of pertaining a date that I have no idea of. This item is effecting my score ( Company : MONTEREY FINANCIAL Amount : {$2800.00} Account proclaimed to be opened : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$900.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$8000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$6000.00}

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 2025-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Open. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$29000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$320.00} Original balance {$18000.00} Fraudulent 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am filing a complaint against U.S. Bank regarding a foreign exchange transaction that resulted in a significant financial loss due to misleading exchange rate practices and an unclear cancellation policy. 

I recently placed a foreign currency exchange order through U.S. Bank. At the time of the order, the bank did not clearly disclose the actual exchange rate or provide a transparent comparison to prevailing market rates. Upon picking up the currency, I realized that the exchange rate applied was extremely unfavorableresulting in an immediate loss of approximately XXXX XXXX XXXX compared to standard exchange rates available in XXXX or through reputable online services. 

Additionally, I was told that foreign exchange orders can be canceled or refunded within XXXX days, but what was not communicated clearly was that this referred to calendar days, not business days. As a result, I missed the window by only a short period, simply because I assumed a business-day count. The bank staff then informed me that the transaction was final and non-refundable, despite the fact that the currency was unused and the financial loss was significant. 

I believe this practice is both misleading and predatory : There was no clear or upfront disclosure of the actual exchange rate and spread being applied. 

The XXXX policy was not adequately explained, and no flexibility was offered. 

The lack of transparency made it impossible for me, as a consumer, to make an informed financial decision. 

I am requesting that CFPB review this matter and prompt U.S. Bank to refund or reverse the unfair transaction

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 2025-07-07 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has refused to provide me with a copy of my credit report despite multiple attempts. 

On XXXX XXXX, I called TransUnion requesting my free annual credit report after trying to do it online and message showed that they were unable to generate my file/report and to call directly. I verified my full name, SSN, DOB, and address online and with a phone representative. Despite confirming my identity, the representative advised that TransUnion had no file for me. However, I have active credit accounts reporting to TransUnion, which is confirmed through my paid MyFICO subscription where my TransUnion credit data is displayed. 

I explained this to the representative, who placed me on hold and then stated that my file was being updated by their maintenance team and that I should call back in XXXX days. They could not explain why my file was unavailable or why they were unable to correct inaccurate personal information on file, such as incorrect names, addresses, and unauthorized inquiries. 

This refusal to provide my credit report is preventing me from disputing inaccurate information and ensuring my credit file is correct, which is my right 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 2025-07-07 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: SC

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 there 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 explanation
Consumer complaint received 2025-07-07 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint fas proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX PayPal account was permanently restricted without any reason or explanation, I was informed by PayPal customer service reps that my account will be restricted and my remaining funds will be held for 180 days. Well now its been over 180 days and my funds are still being held and Im not given an explanation of why. May shouldve been released on XX/XX/XXXX, however PayPal stats its taking longer than usual, Ive submitted numerous of tickets since XXXXXX/XX/XXXX and I havent heard back yet although the PayPal reps say I will receive an email in XXXX days from submitting my ticket to their back office team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a dispute directly to Equifax some time ago and low and behold. I have not received an update and its been over 30 days. I submitted everything needed and submitted a complaint utilizing the CFPB and Equifax has stated that I did not upload personal identifiers in order to investigate. It is now past the time that is allotted in order to investigate and i did upload my ID and proof of address documents in order to address this account showing up as a charge off. The letter below is what I sent : " The following inaccurate information that I discovered when reviewing my credit report has me furious. These accounts are erroneous, invalidated, untrue, and can not be independently verified. Everything needs to be removed if it isn't entirely accurate. I hope you find out as quickly as possible what's going on. Could you kindly assist me as soon as possible with this situation? I am aware that you will look into this right away and that I will receive an updated credit report with these modifications. After receiving this letter, you have 30 days to finish the inquiry. The law requires that unverifiable and inaccurate accounts be deleted. You also have to delete the accounts and the following information if, within 15 days of your investigation, you are unable to offer me a copy of verifiable documentation. I apologize if this seems too harsh, but I really need everything to be exact. I appreciate your assistance with this. 


XXXX : Account number : XXXX, The company could not provide documentation supporting this account. Delete the account.

Kindly take out any information that the creditor is unable to confirm. I am aware that you have 30 days from the date of this letter to finish this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ). " I am so upset that this has been drawn out and I am requesting the CFPB hold this company accountable.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Social security number XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX reason for my complaint is that Honda refused to grant me XXXX month extension reason is I had emergency damage in my home and I'll be able to resume normally payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
XXXX financed home security equipment through XXXX. After canceling service, a XXXX technician uninstalled and took back all equipment. I received confirmation that my XXXX XXXX was canceled. But in the email it also said I was responsible for the remaining amount ( {$2300.00} ). 

When I was initially signing up with the door to door salesman XXXX he never disclosed that XXXX ) they were going to run a credit check with my social XXXX ) that I was opening a finance account. I was put under the impression that I was paying a monthly fee for XXXX XXXX. I feel as if I was deceived and that I was not fairly informed of what I was signing up for. 

When i called XXXX they said I'd have to resolve the issue with XXXX. XXXX has been extremely difficult to get a hold of and in the past I had to fight just to cancel my service. They would constantly send me to the next person to run around in circles with. All cancelations were done within the 30 day free trial that they had given me. 

I am asking for the remaining balance to be removed from my account or to be closed, since I no longer have the equipment and did not revieved the value being financed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief