vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, my wife and I visited the Citibank XXXX XXXX XXXX branch to conduct routine banking as Citigold clients. The assigned Citigold manager was unavailable, so a branch employee called a manager named XXXX XXXX possibly XXXX ) to assist us. 

When XXXX approached and saw my wife, she immediately said to another employee, I dont want to serve this customer, without greeting us, asking what service we needed, or providing any explanation. She then walked away and refused to assist us entirely. 

This conduct was unprofessional, disrespectful, and discriminatory. 
My wife is in poor health, and the managers behavior caused her significant emotional distress. As long-time Citigold customers, we believe this treatment is unacceptable and violates basic standards of customer service. 
We request that Citibank : 1. Conduct a formal investigation 2. Provide a written explanation 3. Issue a formal apology 4. Take corrective action to prevent similar incidents This complaint is not about a transaction or account error it concerns discriminatory and inappropriate behavior by a branch manager. 

Branch : Citibank XXXX XXXX XXXX Branch Date of incident : XX/XX/year> Employee involved : XXXX XXXX XXXX status : Citigold clients

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 2025-11-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Account TD Bank balance uptaidet XXXX XX/XX/2025 {$2400.00} XXXX status closed. XXXX collection agencies and TD Bank are requesting payment for this account. Collections are not reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-21 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
I'm on a fixed SS income, my loan got sold to this company, Shellpoint Mortgage, a few years ago, they have informed me that my escrow acct has a shortage, I changed insurance companies & sent them the refund from my old insurance company. They still say I have a shortage in my escrow account. I'm in forbearance right now with them. I have a phone call scheduled with them on XX/XX/XXXX. they're trying to raise my monthly payment by {$200.00} a month, I can't afford this! I've asked about paying any more of the difference to keep my payment the same, they say I can't do that. I've asked my family for help on this, they're willing to help me pay the shortage. I've spoken to many different people at the company, I keep getting transferred around. XXXX XXXX is supposed to be overseeing my account. I've been dealing with them since XXXX. They told me not to make any payments until I talk to them on XX/XX/XXXX. My forbearance is good through XXXX XXXX. I've made phone calls to them on XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX, transferred me to insurance dept-XXXX-transferred me to cust service-XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX ) -request for forbearance for XXXX  months, XX/XX/XXXX ( XXXX XXXX ) scheduled the XXXX phone call .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX Address : XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate and/or Improperly Reported Negative Items on My XXXX  Credit Report This complaint concerns several items on my XXXX credit report that violate the Fair Credit Reporting Act ( FCRA ). I request a full CFPB investigation. 
XXXXXXXX XXXX XXXX  Secured Credit Card ( Acct ending XXXX XXXXXXXX ) Issues : Inaccurate payment history Inconsistent dates and balances Violates FCRA 602, 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Request : Full reinvestigation or deletion if unverifiable. 
XXXX. EXETER FINANCE Auto Loan ( Acct ending XXXX XXXXXXXX ) Issues : Incomplete and misleading delinquency data Violates FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) Request : Verification or removal of delinquency notations. 
XXXX. XXXX XXXX XXXX XXXX XXXX Collection ( Acct ending XXXX XXXX  ) Issues : Possible unlawful re-aging Violates FCRA 623 ( a ) ( 5 ) Request : Verification of DOFD and assignment ; delete if unverifiable. 
Requested Action : Conduct proper investigations under FCRA Provide full verification of disputed items Delete unverifiable or inaccurate information Declaration : I certify this complaint is accurate to the best of my knowledge. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
Moved out of XXXX XXXX XXXX ( XXXXXXXX XXXX ) because of threat 's and harassment by maintenance and property manager on XX/XX/year> gave XXXX day written notice and was out by XXXX XXXX was contacted by collection agency saying that I owed for damages in the amount of XXXX XXXX dollars from XXXX XXXX XXXX in XX/XX/year> they said it was sent to them the end of XXXX I disputed it and ask for proof of the claim the collection agency said they didn't have a list stating what the damages was and they have requested it from the apartment manager with no response I have videos and pictures of the apartment when we moved out showing damage from when the apartment flooded twice and the maintenance man ( XXXX XXXX ) didn't repair the water damage because of the water damage black mold had developed we even reached out to the property XXXX ( XXXX XXXX XXXX and asked for a copy of the so called damage and was told was not getting anything from them the only contact we have had from the property manager since moving was threats and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Re : Formal Dispute of Charge-Off - XXXX  XXXX Account : Account XXXX Amount : {$470.00} Re : Formal Dispute of Charge-Off - XXXX XXXX  Account : Account XXXX |Amount : {$2100.00} Re : Formal Dispute of Charge-Off - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Collection - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Charge-Off - XXXX XXXX  Account : Account XXXX Amount : {$930.00} This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
The above-referenced account is being reported with inaccurate, incomplete, and/or unverifiable information, which is a violation of : FCRA 602 Maximum possible accuracy standard FCRA 607 ( b ) Duty to assure accuracy FCRA 609 ( a ) ( 1 ) Requirement to supply documentation upon request FCRA 611 ( a ) ( 1 ) ( A ) Mandated reinvestigation duty FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of furnishing inaccurate information You are required to provide : All documentation containing my signature ; A complete Method of Verification under FCRA 611 ( a ) ( 7 ) ; Proof of permissible purpose under 15 U.S.C. 1681b.

Failure to validate this account requires its immediate and permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I am sending to formally dispute the balance reported on my account XX/XX/XXXXXXXX. I do not nor any balance on it. This account is not a valid credit card under my name, and the information currently reported is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inaccurate and unverifiable information and has failed to conduct a lawful reinvestigation under FCRA 611. Despite my written disputes, Equifax continues to report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge-off history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments during deferment Equifax did not provide the method of verification and appears to rely solely on automated e-OSCAR responses rather than obtaining original documentation. This violates FCRA 607 ( b ), 609 ( a ), and 623 ( a ) ( 1 ) ( A ). I am requesting that the CFPB enforce full deletion of all unverifiable accounts and require Equifax to comply with federal accuracy standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
b'I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
Reviewing my payments over the life of my private student loan I noticed that the payments which were automatically allocated by the servicers XXXX XXXX, XXXX and currently by Mohela, are predatory in procedure. After oining over the formula used I have noticed that all too often the payments are divided to interst and principal in a very disproportional manner. Most of the payments rarely are more than XXXX  % towards principal of the loan. I have tried many avenues for rate reduction, lowering the APR as well as simply pleading for a better formula to pay off this loan to no avail. I can provide a breakdown of my payments as it stand on the Mohela website. Something really needs to be done as I am sure I am not alone in this plight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accscient, LLC
State: TX

Complaint narrative:
XX/XX/year> XXXX AM Contacted reference asking for Debtor to " collect the truck ''. Reference requested not to be contacted again and blocked number. 
Reference was contacted multiple times from different numbers across multiple days requesting to have debtor call back. 
XX/XX/year> XXXX Reference finally decided to conversate with him. He told representative that he does not know Debtor in question. Representative told him he was lying and proceeded to insult his intelligence while using vulgar language. Representative also stated twice that he was going to get in and just repossess debtor 's truck.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
XXXX of XXXX  XXXX  a personal loan was taken out for {$20000.00} from XXXX XXXX. Within XXXX months it's now a charge off. I didn't even know about the loan. I rarely use my XXXX XXXX account because I primarily use 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed these hard inquiries so many times and the credit bureaus havent responded to my disputes. I did not authorize these hard inquiries and I dont have any accounts open under these companies. These are the hard inquiries that are on my credit report. 

XXXX- Opened on 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 2025-11-21 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I was a resident of The XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX managed by XXXX XXXX until XX/XX/year>, when I moved out of my apartment with them. 

After move out, they did not issue a final account statement until XX/XX/year>. The final account statement indicated a balance of {$160.00}. The statement also said I had XX/XX/XXXXdays to pay up in order to avoid the account being sent to collections. 
After this statement was received, a cashier 's check was printed and presented to their front office on XX/XX/year>, XXXX. within less than XXXXXX/XX/XXXX of their notice. 

They acknowledged receipt that same day XX/XX/year> and confirmed that my ledger now showed a XXXX balance. 

So you can imagine how surprised I was when on XX/XX/year>, I received a phone call from I.Q. Data XXXX XXXX XXXX indicating that The XXXX had sent a debt in the amount of {$160.00} over to them in my name and they were trying to collect on it. 
I immediately called The XXXX front office,XX/XX/XXXX to confirm that this was not a scam, and XX/XX/XXXX, if it wasn't a scam, to inform The XXXX of this. 

They promised to get to the bottom of it and again acknowledged over the phone that there was no debt. 

In a XX/XX/XXXX phone call on that day, XX/XX/year>, The XXXX XXXX XXXX acknowledged that a. The XXXX DID send a debt to collections in my name, and XXXX XXXX promised that they have now recalled the debt from their 3rd-party collections agent and I wouldn't hear from them again. 

I have since received XXXX letters in the mail from I.Q. Data XXXX trying to collect on this debt that never even existed. 
The XX/XX/XXXX letter claims that interest has begun to accrue on this fictitious debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( XXXX ( b ), XXXX ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a formal notice that I demand you CEASE ALL COMMUNICATION with me regarding any alleged debt. 

Under 15 U.S.C. XXXX ( c ) of the FDCPA, once I notify you in writing that I refuse to pay or that I want all communication to stop, you must stop all contact except to confirm you will stop or to inform me of specific legal actions you intend to take. 

I dispute the validity of any alleged debt. Do not call, text, email, or contact my job, family, or any third party. 

Any further contact from your company that violates federal law will be documented and reported.

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