vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: NY

Complaint narrative:
My name is XXXX XXXX, I am filing this complaint because my right under the Fair Credit Billing Act was seriously violated by Citi Cards. I have been their customer for over 14 years. Never missed a payment, usually pay in full. There have been years when I charged over {$100000.00} annually. These recent years my spending habit has decreased by a lot but I still charge a lot more than an average person. 

XX/XX/2021 I purchased a XXXX XXXX  from a private seller through XXXX for {$1700.00}. The bag was advertised as like new with authenticity card. 

A week later I received a package with just the bag -- no authenticity card. 

After months of communicating with the seller who promised she mailed it to me separately however I never received anything in the mail from her, I was forced to open a credit cart dispute of {$500.00} because of the lack of authenticity card would bring value of the handbag down. Had I known it did not come with an authenticity card, I would not have purchased it. Let me explain a bit about authenticity card so that you understand how important it is. XXXX  XXXX  XXXX XXXX only issues authenticity card once during the process of tailoring the handbag. If one lost it, there would be no replacement. A lot of time, when a customer needs repair done to their XXXX XXXX, they have to bring the authenticity card with them. Under my untrained eyes, the bag looked good -- the only issue was the lack of authenticity card. 
I would never want to be a difficult customer therefore I decided to keep the bag but requested a {$500.00} refund for the missing authenticity card due to the reasons stated above. 
However, Citicards had violated my right under the Fair Credit Billing Act by deciding the dispute in seller 's favor because I could not provide statement of inauthenticity. I purchased a handbag with an authenticity card, what I received did not come with it but my right was not honored by Citicards. 

I further explained to them without the authenticity card, nobody would be willing to issue such statement. They would not listen and closed the case allowing the scammer to keep my money while their customer is stuck with a not as described purchase. 

Fast forward, just recently the bag fell apart and I brought it to XXXX for repair, they considered it being counterfeit and refused to work on it. Had Citicards not decide in the seller 's favor, I would have not spent {$1700.00} on a fake XXXX XXXX  that is worth nothing. I requested for the authenticity card from the seller with Citicards assistance but instead of helping me, they deemed that it was ok for the seller to not send me the authenticity card which led to me ending up with a fake bag.

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 2025-05-11 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:
I am writing to formally complain about TransUnion, Equifax and Experian regarding their refusal to remove fraudulent accounts from my credit report. 

The Accounts in question are, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed these accounts multiple times, providing documentation proving that they bare fraudulent. However, Experian, TransUnion and Equifax has not taken the appropriate action to rec tidy this issue. 

I respectfully request the the CFPB investigate this matter and ensure that these Credit Bureaus fulfills its obligations to remove these Fraudulent accounts from my credit report. Thanks!!

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 2025-05-11 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:
I am writing to formally complain about TransUnion, Equifax and Experian regarding their refusal to remove fraudulent accounts from my credit report. 

The Accounts in question are, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed these accounts multiple times, providing documentation proving that they bare fraudulent. However, Experian, TransUnion and Equifax has not taken the appropriate action to rec tidy this issue. 

I respectfully request the the CFPB investigate this matter and ensure that these Credit Bureaus fulfills its obligations to remove these Fraudulent accounts from my credit report. Thanks!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
XXXX has been attempting to collect a debt from me for an account that I do not have. I have explained to them that I don't have a XXXX account. I have also tried to explain to them that I don't live at the address that they have provided. I have given them my home address as well explained that I have XXXX as my tv and internet provider. The company XXXX XXXXXXXX XXXX have never contacted me and they have added a collection account to my credit report. I have explained to them that this is not my account and have asked them to provide me the information that provides who opened the account and they haven't followed up with the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-05-11 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-11 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: FL

Complaint narrative:
I have been violated according to 16usc 1681a ( 2 ) Exclusions.paragraph consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is reporting my report and this causing me to be denied creditand I am formally requesting, under the provisions of 15 U.S. Code 1681i, that your agency conduct a reasonable reinvestigation of this item. I have enclosed documentation supporting my position that this late payment is incorrect and/or unverified. 

Additionally, the furnishing of this late payment may also violate 15 U.S. Code 1666b, which requires creditors to provide at least 21 days from the mailing or delivery of a billing statement before a payment can be deemed late. If the furnisher failed to meet this requirement, the reporting of a late payment would be unlawful. 

XXXX  Account number XXXX LATE PAYMENT XX/XX/XXXX XX/XX/XXXX I I request that you delete these late payments from my credit 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 explanation
Consumer complaint received 2025-05-11 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXXI owe on a couple of credit cards through concora credit. They call atleast XXXX times a day from different numbers and are told the same thing everytime. That i am going through a hardship financially right now and i fet charged for that program through them every months thats why the bill is so high to protect my credit cards if something like this happens but they dont care and ignore me when i say something about it. I have told them to stop calling so much and from different numbers local and long distance numbers but they still do multiple times a day. I have told them to stop calling on sundays and holidays but they still call on sundays and called XXXX times already in the last XXXX XXXX hours on a Sunday/Mothers Day. They do not listen and refuse to stop repeadetly calling through out the day and on Sundays and refuse to activate the program i have through them to protect the payment on the cards. Nothing more i can do to get them to listen.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
XXXX XXXX XXXX, I got notice that Mohela was switching computer platforms and I would need to create an account. At that time, I noticed that I was kicked out of the payment plan I was in for years, the repaye plan. This payment plan was a plan for public service loan forgiveness. I have attempted to contact Mohela numerous times, each of which I have been placed on hold for up to 6 hours. When I get a live person, they just want to transfer me to someone else, and then when I get to speak with the loan specialist they transfered me to, they tell me I have to go on XXXX website or call PSLF directly. Ive tried calling PSLF, and they tell me its an issue with Mohela. I was able to speak to someone from Mohela and they recommended I reapply for the IDR payment plan ( one we were originally in for the past 7 years ). I did, and then the application got cancelled. I called Mohela back and they claimed I must have cancelled it and told me to apply again. I did, and just got notice that they placed me in an extended plan, a plan again that does not qualify for the PSLF program and not an IDR plan. I had 11 more payments to make to have my loans forgiven under PSLF, but for the past 11 months, I have been struggling to get back into a repayment plan that would qualify the payments I have made! Mohela does not offer any information or guidance, and if they do, it ends up getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovate Managed Holdings, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Innovate Auto -Finance XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account # XXXX Dear Innovate Auto Finance I am writing in response to your phone call XXXX regarding the alleged debt referenced above. This is not a refusal to pay, but a request for validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed breakdown of any fees or interest added ; 4. Copies of any judgment, contract, or agreement bearing my signature ; 5. Proof that you are licensed to collect debt in my state ; 6. The name and address of the original creditor, if different from the current one.

Until these items are provided, I am requesting that you cease all collection activities and do not report this alleged debt to any credit reporting agency.

If you fail to validate the debt, you are required by law to cease all collection efforts. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX BANK OPEN DATE XX/XX/year> Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, Chase Bank allowed a {$50000.00} transfer from my personal checking account without my authorization. This was done using my Social Security number and date of birth, by a third party ( XXXX XXXX ). Chase failed to detect the fraud, mishandled the investigation, and refused to reverse the transaction. Despite escalating to the executive office, they have avoided responsibility.

Additionally, Chase refuses to provide written confirmation that a {$700000.00} deposit in XXXX originated from an account held by XXXX XXXX, despite my documentation and verbal confirmation from bank staff. This evidence is critical for a legal matter scheduled for XX/XX/XXXX. 

Chases failure to act violates consumer protections under the Gramm-Leach-Bliley Act and has exposed me to significant financial and legal harm. I request regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-11 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello my Name is XXXX XXXX XXXX I've been applying to apartments and been getting denied due to credit being report from resident verify stating my credit is at a XXXX on one of my applications and the other is XXXX and both scores are at least XXXX points of my actual score which is around a 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 2025-05-11 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 debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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