vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding Citibanks mishandling of a settlement agreement, inconsistent and inaccurate account reporting, failure to honor confirmed resolutions, and failure to provide required documentation. These issues have now escalated to the point of impacting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Below is a full timeline of events demonstrating : Improper processing of settlement payments Failure to notify me the agreement was voided Acceptance of payment for a settlement they later claimed invalid A manager confirming the settlement was accepted and a {$0.00} balance letter would be issued Later managers contradicting prior confirmations Failure to send required account documentation Departments within Citibank contradicting each other on account authority XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX call ) ACH payment for the settlement amount was accepted within the agreement window. 
Representative : XXXX. 

XX/XX/XXXX I received an email that the ACH payment was returned, but this notification was sent after the settlement window had passed. 
I was not informed the settlement would be voided. 

XX/XX/XXXX I mailed a check for the same settlement amount from the same account. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX call ) I notified Citibank the XXXX was mailed. 
No representative stated the settlement was voided. 

XX/XX/XXXX Outgoing call ( XXXX minutes ) I again received no mention of the settlement being voided. 

XX/XX/XXXX Outgoing call I was informed the check was accepted on XX/XX/XXXX but the settlement was voided. 
I was told the issue was being escalated and I would receive a callback in 710 business days. No callback occurred. 

XX/XX/XXXX 31-minute call with XXXX ID # XXXX I was told the issue was still unresolved. 

XX/XX/XXXX Call with Manager XXXX ( ID # XXXX ) XXXX informed me Citibank would honor the original settlement agreement, And that I would receive a XXXXbalance letter within 710 business days. 
This letter never arrived. 

XX/XX/XXXX XXXXXXXX XXXX  call with XXXX XXXX ( ID # XXXX ) XXXX confirmed notes showing the account was supposed to be XXXX out, But stated she could not complete it due to internal department issues between Collections and Recovery. 
This contradicts all prior confirmations.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted Capital One on XX/XX/year>. I asked them to provide me with information on the current accounts that I do have they said they are unable to do this. I asked them to provide me information that I do not own the account. I am disputing they refuse to do this. They have duplicated account on my credit report that has different account numbers. They are unable to do anything about this for me I have told them that this is a duplicate account yet they have offered no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: IL

Complaint narrative:
I am sending this letter in response to your ( letter/phone call ) received on [ date ]. This is a request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Verification that I am legally obligated to pay this debt, including : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of fees, interest, and any other charges A copy of the original signed contract or agreement showing my obligation 2. Proof that you are authorized to collect this debt, including : Your license number and the state in which you are licensed to collect Documentation showing chain of ownership if the debt was sold or transferred 3. A copy of your companys privacy notice as required.

Until you provide all requested information, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Chase Bank concerning a failure to process a tax payment check and subsequent refusal to issue the appropriate refund, resulting in financial penalties and significant distress. 

On XX/XX/XXXX. XXXX, I issue a check for {$800.00} from my Chase Bank account, payable to the California Franchise Tax Board ( FTB ) for my XXXX tax year payment. 

In XX/XX/XXXX, I received a notice from the FTB stating they had no record of my payment and assessed a late fee of {$200.00}. The total amount of requested was {$1000.00}.

I immediately contact Chase Bank regarding the status of the {$800.00} check. After numerous calls and extensive navigation of the bank 's, website, a customer representative confirmed the issue on XX/XX/XXXX. The representative explicitly stated ; " this check was return to us and your payment amount will be refunded. '' Despite this admission that the check was never cashed and was voided by Chase Bank internally, the bank refusing to refund the {$800.00} to my account. Instead, Chase demanding that I obtain the refund directly from the XXXX XXXX XXXX, an entity that never received or process my payment. 

The bank voided the payment internally ; therefore, the responsibility to return the fund lies with Chase Bank, not the payee. 

I request that the CFPB investigate this matter and compel Chase Bank to : 1. Immediately refund the {$800.00} to my account.

2. Word with me to resolve the {$200.00} late fee issue with the Franchise Tax Board, as the penalty was incurred due to Chase Bank 's failure to process the payment correctly.

Thank you for your assistance in resolving this unfair banking practice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate to the highest possible standard. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This entry is not an accurate depiction of my financial responsibility. Please update it after careful review.

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 2025-12-02 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: IL

Complaint narrative:
I am writing this statement because TransUnion is reporting information on my credit report that appears to be inaccurate or unverifiable. I am a consumer trying to repair my credit and I need your help making sure everything in my report follows the FCRAs accuracy standards. 

Charged Off Account in Dispute : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/year> Balance : {$7500.00}

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
am filing this complaint regarding LVNV Funding LLC, who is reporting a collection account on my credit file that is inaccurate, incomplete, and not properly verified. 

XXXX. Failure to Provide Proper Validation ( FDCPA 15 U.S.C. 1692g ) I requested validation of the alleged debt from XXXX XXXX. 
They failed to provide : A copy of the original signed contract, A complete itemized accounting, Proof that XXXX XXXX owns or has the legal right to collect on the alleged debt. 

Instead, they provided generic information that does not constitute proper validation under federal law. 

XXXX. XXXX XXXX XXXX to Credit Bureaus ( FCRA 15 U.S.C. 1681s-2 ) XXXX XXXX is reporting information that is : Unverified, Possibly outdated, Potentially inaccurate, And continuing to appear as a negative item despite being disputed. 

Under FCRA 623 ( a ), XXXX XXXX must only report accurate and verified information. 
Their failure to properly validate means they are in violation of both FCRA 623 and FDCPA. 

XXXX. Harm Caused Because of XXXX Fundings failure to correct inaccurate reporting, I am experiencing : Lowered credit scores Denied financial opportunities Emotional and financial stress XXXX. Requested Action I request the CFPB to investigate and require XXXX Funding to : XXXX. Provide full validation including the original contract and complete account history, XXXX XXXX. Delete the collection account from all credit bureaus if they can not validate properly. 
XXXX. Cease all collection efforts until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier 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 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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
Our mortgage was sold to a XXXX Mortgage and transferred service on XX/XX/XXXX. Upon transferring, our insurance company provided our policy information to XXXX and showed that the policy was paid from our escrow account. We received notice from XXXX that our insurance policy was needed to be submitted by XXXX and we promptly did so on XX/XX/XXXX the day we received notice. We received a confirmation number and acknowledgement that this was received. On XX/XX/XXXX, we were notified that forced placed insurance had been charged to our escrow account and that we our escrow account was underfunded due to the insurance policy. We promptly contacted XXXX and resubmitted all documentation for a second time on XX/XX/XXXX. Upon this submission we were told 5 days for review and then a refund would be processed. They acknowledged receipt of the original documentation from XXXX and confirmed all reference numbers. On XX/XX/XXXX, we called XXXX asking for an update and was told that their system had not updated. XXXX stated that they were still reviewing. We waited until XX/XX/XXXX and called again and were escalated to another representative XXXX said to be in leadership ). They confirmed that they property type was still being reviewed. We called again on XX/XX/XXXX and was again told it was in review due to the XXXX XXXX. On XX/XX/XXXX ( today 's current date ) we were told yet again that their was another line that they needed to review. We have threatened legal action and sent an official note of error via email are filing this complaint due to their lack of clarity and response to our forced placed insurance. This has been charged to our escrow account and will result in a significant increase to our mortgage payments if unresolved. We believe XXXX is being fraudulent in force placing insurance and leaving us with little recourse in changing mortgage service providers, all while ignoring requests to remove forced place insurance that was placed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$3200.00} ( Apartment Collection ) Reason to select : Information is inaccurate / account not mine / balance incorrect Statement : Please investigate this account. I do not recognize this collection, and the balance, dates, and details appear inaccurate. I am requesting verification of the original contract, complete payment history, and proof that this alleged debt belongs to me. Until verified, please remove this account. 

XXXX Midland Credit Management {$1000.00} ( Collection ) Reason : Account not mine / inaccurate information Statement : This collection account contains inaccurate information and does not match any account I authorized. Please provide full validation including original creditor details, contract, date of delinquency, and itemized charges. If you can not verify, please delete this account. 

XXXX XXXX XXXX XXXX XXXX {$10000.00} ( Charge-off ) Reason : Balance/date inaccurate/ not enough information provided Statement : This account is reporting inaccurate information. The balance and dates do not match my records. Please investigate and provide verification of the correct reporting or remove this account if it can not be fully verified. 

XXXX XXXX XXXX XXXX XXXX {$6000.00} ( Charge-off ) Reason : Inaccurate reporting Statement : I am disputing this account due to multiple reporting inaccuracies. Please provide documentation proving the accuracy of the balance, dates, and ownership. If the information can not be verified, please delete this account. 

XXXX XXXX XXXX {$1000.00} ( XXXX ) Reason : Account not mine / incomplete information XXXX : I do not recognize this account. Please provide complete validation including the original creditor, contract, dates, and proof of ownership. Remove the account if it can not be verified. 

XXXX XXXX XXXX XXXX {$220.00} ( Collection ) Reason : Not mine / inaccurate information Statement : This account appears inaccurate. Please verify all details including the balance, dates, and original creditor. If you can not provide proof, please remove this item from my report. 

XXXX XXXX XXXX {$77.00} ( Collection ) Reason : Balance inaccurate / account not mine Statement : This XXXX collection is reported incorrectly. The balance and details do not match any account I held. Please provide documentation proving responsibility, or delete if unverifiable. 

XXXX XXXX XXXX {$18.00} ( Negative ) Reason : Incorrect reporting XXXX : This account is reporting inaccurately. Please investigate and verify the accuracy of this information. If the data can not be confirmed, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
These inquiries do not correspond with any actions I have taken and appear unauthorized. I request a timely review and corrective measures. Attached is documentation for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report. These accounts are reported incorrectly or are inaccurate. I request that you investigate these items and correct them based on the provided details. Below are the disputed accounts for each credit bureau. 

Charged Off Accounts : 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 - 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 2025-12-02 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: VA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-02 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: Kikoff Inc.
State: CA

Complaint narrative:
I reached out to XXXX XXXX after noticing them on my credit report informed them I never used their company they informed me I did and that I received a product from them amounting in {$60.00} XXXX told them I definitely didnt receive anything from them neither have I ever used them and requested proof of service I never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX OF XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Klarna AB
State: IN

Complaint narrative:
I am filing a complaint against Klarna regarding their refusal to allow me to change the due date for XXXX of my payments. I requested to move the payment date to better align with my income schedule, but Klarna informed me that they do not permit changes to individual payment dates. This policy is unfair and creates unnecessary financial hardship. I believe Klarna should provide flexibility for consumers to adjust payment schedules, especially when it does not affect the overall repayment plan. 

To date, I have made XXXX payments totaling {$1100.00}. Klarna has charged me 30 % interest, amounting to {$620.00}. Despite these payments, I still owe {$1300.00}. My monthly payment is {$100.00}, which I can no longer afford given my financial situation. XXXX refusal to allow a simple adjustment to my payment date exacerbates this hardship and feels predatory in nature. 

On XX/XX/XXXX, I spoke with a Klarna representative named XXXX about this situation. Despite explaining my circumstances, I was told that Klarna does not allow changes to payment dates for my specific payment plan. 

I respectfully request that the CFPB review XXXX practices regarding payment flexibility and high interest charges. Consumers should be allowed to adjust payment dates to avoid unnecessary hardship, and XXXX policies should be examined to ensure they are fair and not exploitative.

Company response to consumer: Closed with explanation