vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX Best Buy Financial Service call and attempt to collect a debt. Through further conversation with Best Buy Financial we found my XX/XX/XXXX payment which was supposed to be for XX/XX/XXXX they use for XXXX as a extra payment, Best Buy stated the payment that was given XX/XX/XXXX and their billing cycle ends XX/XX/XXXX therefore extra payment was submitted for XXXX I tried to explain that {$200.00} was for XXXX payment they will not relinquish the {$200.00} for XXXX they are making me pay a extra installment for XXXX which I already paid {$200.00}. Only thing they would agree to is taken off the late fee. This is not a resolution. The resolution for this issue is to have Best Buy forward my {$200.00} XX/XX/XXXX to XXXX payment it's not my problem their billing is on the XXXX thank you

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-11-10 00:00:00
Product: Credit card — Store credit 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act, which grants me the right to request the method of verification used in your reinvestigation of my dispute. 

On XX/XX/year>, I filed a complaint through the CFPB Complaint Portal concerning inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number ending in XXXX. You closed the case on XX/XX/year>, claiming the furnisher verified the account as accurate. 

I now formally request that you provide the following within 15 days : XXXX. The name, address, and telephone number of each furnisher, creditor, or vendor you contacted. 
XXXX. A detailed description of the verification method used, including whether communication occurred by electronic system ( e-OSCAR ) or direct correspondence. 
XXXX. Copies of all documents or data received from the furnisher supporting the claimed verification. 
XXXX. Confirmation that all documentation I providedincluding XXXX XXXX  own contradictory statementswas reviewed and forwarded to the furnisher. 

Please note that failure to provide this information will constitute a further violation of the FCRA and XXXX be pursued in federal court under XXXX and XXXX for negligent or willful non-compliance. 

I expect your full written response within 15 days of receipt of this letter.

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 2025-11-10 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: IN

Complaint narrative:
I am submitting this dispute for review and resolution of the inaccuracies present on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiry ONEMAIN ( FINANCE ) ( XXXX XXXX ) To Whom It XXXX Concern : I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. The inquiry in question was made by ONEMAIN on XX/XX/XXXX. 

I did not authorize this credit inquiry, nor did I apply for any credit with this company. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be investigated and removed from my credit report immediately. 

Please provide written confirmation once the investigation is complete and the inquiry has been deleted. If you require any additional information from me to process this dispute, please notify me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiry ONEMAIN ( FINANCE ) ( XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. The inquiry in question was made by XXXX on XX/XX/XXXX. 

I did not authorize this credit inquiry, nor did I apply for any credit with this company. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be investigated and removed from my credit report immediately. 

Please provide written confirmation once the investigation is complete and the inquiry has been deleted. If you require any additional information from me to process this dispute, please notify me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am filing a formal complaint against PennyMac Loan Services regarding inaccurate and unfair credit reporting and poor customer service. 
In XX/XX/year>, PennyMac reported a 30-day late payment on my mortgage even though I had notified them in advance that I was facing temporary financial hardship and that my church would be sending the payment on my behalf. I was explicitly told by PennyMac representatives that this situation would not be reported as late. Despite this, the account was still reported 30 days delinquent, causing my credit score to drop XXXX points my first-ever negative mark. 
Attempts to resolve : I submitted a written goodwill request through PennyMacs website requesting removal of the 30-day late mark based on good faith and consistent payment history. 
I called customer service today ( XX/XX/year> ) to follow up. The representative, XXXX ( extension XXXX, located in the XXXX ), stated that PennyMac can not delete the late payment from my credit report. This is misleading, as companies can submit correction or deletion requests to credit bureaus at their discretion. 
When I requested to escalate the issue to a supervisor or credit reporting department, XXXX claimed her computer had stopped working and she was unable to transfer. The call then ended with no case number, escalation, of my goodwill request. 

Why this is unfair and misleading : I was assured in advance that my payment arrangement would not affect my credit. 
The late mark was a one-time hardship, and I have an otherwise perfect payment history.

PennyMac misrepresented their ability to correct or delete inaccurate or goodwill-based credit entries.

Their representative refused to escalate my request, leaving me without a fair avenue to resolve the issue internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
Their investigation did not fix an error on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
USAA placed a 10-day hold on {$2000.00} of my {$2500.00} mobile check deposit ( XX/XX/year> [ XX/XX/year> ] ), making only ~ {$500.00} available immediately. The check cleared the issuing bank within 2 days, but USAA refused to release the hold early despite my hospitalization ( [ XXXX XX/XX/year> ] ) preventing me from monitoring auto-payments. This will directly cause overdrafts and USAA fees as I do have lots of XXXX set up that hit between today XX/XX/year> and XX/XX/year>. I was incommunicado in the hospitalno app access to move funds or stop payments. USAA ignored my post-hospital requests for refunds/release, violating Reg CC 229.13 ( exception holds require notice ; fees must be refunded if hold causes overdrafts and check clears ). Their Remote Deposit Agreement waives Reg CC but doesn't allow negligence in hardship cases, especially for a veteran, who is a Valor Medal winner. Demand : Full refund of overdraft/NSF fees , merchant fees reimbursed, hold lifted immediately, and interest earned on my held funds, as well as any merchant fees and reconnection fees for electricity/water/sewer and gas, as they will likely be shut off before the 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 2025-11-10 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:
These messages arrived without prior alert and might not have proper approval. Please review the attachments.

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 2025-11-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX 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. 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.

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 2025-11-10 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: MA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-10 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: MA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-10 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:
Guarantee that disputed accounts are removed within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I disputed two DEPT OF ED / XXXX student loan accounts on my credit reports with both XXXX  and TransUnion. I requested that XXXX provide full legal validation of these debts under the Fair Debt Collection Practices Act ( FDCPA ), including documentation proving the accounts are accurate and belong to me. 

Despite sending my requests via certified mail ( with proof of delivery ), XXXX failed to respond. XXXX  subsequently removed the accounts after failing to verify them. However, TransUnion continues to report these accounts as verified without providing any proof, and Experian has also continued verifying them without documentation. 

I am submitting this complaint because both TransUnion and Experian continue to report unverifiable accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ). I have included supporting documentation, including proof of my requests to XXXX and confirmation that XXXX  removed the 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 2025-11-10 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: MD

Complaint narrative:
I am disputing the accuracy and legitimacy of the information being reported on my Equifax credit file. I am requesting a full reinvestigation. If Equifax or the furnishers are unable to provide proper documentation validating the accuracy of the items below, I am requesting the immediate correction or removal of the information.

CHARGED-OFF ACCOUNTS ( EQ ) No charged-off accounts are being submitted for dispute under Equifax at this time .

INQUIRIES ( EQ ) The inquiry listed below appears to be questionable and may not have been authorized. If it can not be verified with documentation, I request that it be removed : XXXX XXXX XX/XX/year> LATE PAYMENTS ( EQ ) The following late payment entries appear inaccurate or potentially misreported. If they can not be fully verified with complete payment history and documentation, I request immediate deletion : XXXX Acct : XXXX XXXX  Acct : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Bank XXXX  made duplicate charges to my account and caused it to go in the negative. I called the bank and they said it is something on XXXX  end and it would get fixed but thats not my problem. its my livelyhood. I need this resolved today.

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 2025-11-10 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: McCarthy, Burgess & Wolff, Inc.
State: MO

Complaint narrative:
I am filing this complaint because I received a collection notice from McCarthy, Burgess & Wolff regarding an account they claim to be collecting on behalf of XXXX XXXX. This account relates to my business, XXXX XXXX, but I dispute the validity of the debt and the contract they provided. 

The contract includes an electronic signature that I do not recognize. I have never knowingly agreed to a long-term contract of this nature, and I have requested the following information multiple times : A full debt validation, including the original agreement A breakdown of the charges and payments ( full account ledger ) Proof that the collection agency has legal authority to collect this debt ( chain of assignment or transfer of rights ) Proof that I personally or on behalf of my business signed or agreed to the terms To date, I have only received a PDF copy of a contract with a typed or digital signature but no validation of the authority of the collection agency or full proof that this debt is legitimate. 

This collection account is not currently showing on my credit reports, and I want to ensure it remains that way unless the collector can provide the full legal proof requested. 

I have tried to resolve this directly and even contacted XXXX, but they refused to provide further documentation unless subpoenaed. I do not want to be held responsible for a contract I do not recall signing, especially without proper legal validation and verification of the debt transfer. 

I am requesting that this account be returned to the original creditor and that no credit reporting be made until all information has been fully validated and provided to me in writing.

Company response to consumer: Closed with explanation