vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Open Date : XX/XX/XXXX I reached out on XX/XX/XXXX and informed this : This debt was previously being reported by DIVERSIFIED ADJUSTME. I disputed this debt to the credit bureaus and the account was deleted because the information was inaccurate. A new debt collector is now reporting this very same debt but the disputed information has still never been verified. Please delete this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX  XXXX Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> 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 2025-07-21 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to dispute a fraudulent bank account opened. I did not authorize this inquiry, nor did I initiate any application with CITI BANK

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 2025-07-21 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I submitted a formal dispute to XXXX  regarding a 30-day late mark reported by XXXX XXXX XXXX XXXX XXXX At the time of the reported delinquency, I was actively enrolled in a hardship payment plan that began on XX/XX/year>. This plan was confirmed on a recorded call by an AllianceOne representative named XXXX on XX/XX/year>. 

Despite providing proof and confirmation of the plan, XXXX  verified the 30-day delinquency as accurate. After denying my dispute, AllianceOne then claimed I needed to pay a {$65.00} activation fee for the plan to be valid a fee that was never disclosed in writing and is not reflected anywhere in the payment schedule I received. This excuse was made after the negative mark was already reported and the plan had been confirmed. 

This is a violation of the Fair Credit Reporting Act. I have submitted multiple disputes, provided valid documentation, and have a pending CFPB complaint ( # XXXX ) regarding this same issue. I have been making every effort in good faith to resolve the situation, but I am being penalized and ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
XXXX is reporting an inaccurate 30 day late on my report which dropped my score XXXX points. Ive NEVER been late, there was a customer service rep error with a payment and deferral, the info was corrected within XXXX, however the reporting to the bureaus is still incorrect despite a previous dispute that clearly wasn't investigated. This needs to be corrected immediately.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting an inaccurate 30 day late on my report which dropped my score XXXX points. Ive NEVER been late, there was a customer service rep error with a payment and deferral, the info was corrected within XXXX, however the reporting to the bureaus is still incorrect despite a previous dispute that clearly wasn't investigated. This needs to be corrected immediately.

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 2025-07-21 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: GA

Complaint narrative:
XXXX is reporting an inaccurate 30 day late on my report which dropped my score XXXX points. Ive NEVER been late, there was a customer service rep error with a payment and deferral, the info was corrected within XXXX, however the reporting to the bureaus is still incorrect despite a previous dispute that clearly wasn't investigated. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

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 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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am writing to file a second formal complaint regarding the conduct of PennyMac Loan Services, specifically related to their repeated and unjustified mortgage escrow analyses and persistent attempts to increase our monthly mortgage payment. 

Despite no increase in our property taxes or homeowners insurance, PennyMac conducted escrow analyses in XX/XX/year>, XX/XX/year>, and again in XX/XX/year>. After each analysis, they attempted to raise our monthly payment without valid cause. 

Each time this occurs, we are forced to spend an unreasonable amount of time on the phone explaining the situation repeatedly, being transferred from department to department, and navigating an exhausting process. Ultimately, the representatives confirm that we are correct and reduce the payment. However, the pattern continues and has become both disruptive and unacceptable. 

This ongoing behavior feels like harassment. It is causing unnecessary stress and confusion and shows a clear disregard for fair and responsible servicing practices. 

We are requesting that your office initiate a full review of PennyMacs handling of our account and escrow procedures. Please confirm receipt of this complaint and advise us of any additional information or documentation you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I went to the atm to withdraw money so the atm charges me for withdrawal but so does the card company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, we created a P2P order to sell cryptocurrency ( XXXX ) via a trading platform at XXXX XXXX. The total deal amount was XXXX XXXX, equivalent to {$5100.00}. 

At XXXX XXXX, we received the first XXXX payment from the buyer, who also sent us a payment screenshot via the in-platform chat. However, the remaining balance was not received for hours, so we opened a dispute on the crypto platform. 

The rest of the payment was credited only on the next day XX/XX/year>, at XXXX XXXX  and XXXX XXXXXXXX  Once the full amount had been confirmed, we released the cryptocurrency to the buyer, as documented in the platform receipt. 

We are attaching screenshots of the entire chat, XXXX receipts, and platform confirmations. 

Later, without our knowledge or consent, {$3100.00} was reversed via XXXX, and withdrawn from our account ending in XXXX. We suffered direct financial damage from this fraudulent reversal, including an overdraft of over {$2300.00}. 

We are not associated with the person who reported this as fraud. We had no way of knowing the XXXX account was compromised. We acted in good faith and only completed the transaction after full payment was received. 

We immediately contacted the bank and submitted evidence, payment confirmations, and full chat history. The funds were placed on hold on XX/XX/year>, and remained frozen until XX/XX/year>, when the bank removed the hold and withdrew the funds permanently. 

We respectfully request a full investigation and reconsideration of the reversal. 

We are willing to appear in person with all the original data on our phone. 
We respectfully request the following resolution : 1. Full restoration of the withdrawn amount ( {$3100.00} ) to our account, as the transaction was completed in good faith and the buyer received the cryptocurrency in full. 
2. Immediate reversal of any overdraft fees and penalties, caused by the unauthorized XXXX reversal. 
3. A formal investigation into this dispute and the behavior of the sender ( s ) who initiated the XXXX chargeback. 
4. Confirmation in writing that the transaction will not be reversed again in the future. 
5. We reserve the right to escalate this issue through legal action if the funds are not returned promptly.

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 2025-07-21 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I purchased an XXXX from XXXX and applied to have the charges be distributed into 6 monthly payments with XXXX XXXX XXXX with Synchrony. I had to apply for this promotion and my credit report was access. The statement closed and although it makes reference to the {$330.00} being in an equal XXXX payment with XXXX XXXX XXXX, I was charged the full amount. When I called, their answer is I am signed up for full balance payment, so they charged the full amount. 

This is a violation of the agreement that not only impacted my credit scores but could have potentially impacted my bank account with overdraft fees. 

I am requesting that the credit card makes me whole for the full amount as the agreement was for them to split the payments over 6 months regardless of how I set up my bill. The full amount should have been divided into XXXX equal payments, and this charges monthly not the full amount. 

This is false advertising and breach of contract. There is no disclaimer when applying for the installments that having an autopayment can impact the offer or that changes should be made. 

Synchrony confirmed that they have never broken down the charges in a promotion when customers are signed up for balance payment and that the full amount would be charged. This is a violation of contract and false advertising, marketing, and offer. I am sure I am not the only XXXX affected by this unfair credit practices. 

I tried to resolve the issue today XX/XX/year> and supervisor XXXX confirmed that they are not obligated to divide the {$330.00} if I am set up for full balance payment and I can change my payment options but could potentially incurred interest on other purchases, which is what I am trying to prevent. This is a company tactic to overcharge customers or make money by charging their 33 % interest rates.

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 2025-07-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Company : Citibank Product : Credit card Issue : Unauthorized transactions/ Billing dispute Submitted by : XXXX XXXX XXXX I am filing a formal complaint against Citibank for failing to resolve a valid credit card billing dispute for charges related to a fraudulent and unsafe XXXX  stay. The reservation ( Confirmation Code : XXXX ) was booked for XX/XX/XXXX to XX/XX/year>, and charged in full ( ~ {$2500.00} ) to my Citibank Mastercard ending in XXXX. 

After multiple complaints and photographic documentation of the XXXX health and safety issues ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX refunded {$1100.00} on XX/XX/year>, confirming the property was uninhabitable. 

I am now disputing the remaining balance of ~ {$1200.00} with Citibank, which includes an unauthorized charge for extended dates I never approved. 

However, Citibanks fraud team : Refused to escalate the matter to any department Evaded direct yes/no questions about my consumer rights Claimed there was no other team to speak with Hung up on me XXXX, despite being calm and asking legally relevant questions I have now escalated this to the Citibank Executive Response Unit , and submitted all documentation, including : XXXX partial refund confirmation Booking dates Citibanks call behavior and internal acknowledgment I am requesting : XXXX. Full reversal of the remaining XXXX charges ( ~ {$1200.00} ) XXXX. Investigation into XXXX mishandling of my dispute call XXXX Review of the recorded phone call by XXXX XXXX or compliance team This has caused severe emotional distress, and I feel that I am being retaliated against or dismissed due to being a woman asserting her rights over fraudulent merchant behavior. I am a professional, Ive documented everything, and I expect full accountability.

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 2025-07-21 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: AR

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 non-monetary relief