vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I recently opened an account after seeing online advertisements about your balance transfer offer. It has been approximately two months since the account was opened.

The first issue I encountered was the delayed delivery of my card. I initially assumed it was part of the normal processing time. However, when I attempted to complete a balance transfer, I waited at least one to two weeks for approval. Upon checking my app, I noticed a notification about suspicious activity.

I immediately contacted customer service. Unfortunately, the representatives were using a phone number that does not belong to me for verification purposes. When I called to clarify, they refused to provide details and instead asked me to hold while they attempted to verify my identity through that incorrect number. I repeatedly asked how that number became associated with my account, but the representative declined to answer. 

This situation raises serious concerns about the integrity of your system. Contacting someone else using my name is not only inappropriate but potentially illegal. Additionally, I was informed that a security code would be mailed to me, but I never received itpossibly because the address on file is also incorrect. 

Given these issues, I would like to formally request that my account be closed immediately. I also want to ensure that I do not receive any future products or offers from Citibank. The customer service experience has been unhelpful, and the entire process appears highly suspicious and concerning.

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 2025-10-04 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I made our minimum payment on XX/XX/XXXX for the minimum balance due of {$130.00}, we were having problems with the account that Barclay card pulls the auto payment from so I paid the account a few days early to avoid them from taking out their auto pay, which is an ACH payment. They then for some reason said that the account was past due and they lowered my credit limit from $ XXXX {$3000.00} putting me at a 95 % ratio of available credit to balance. Which will affect my XXXX XXXX because my utilization is now at 95 % and before it was at 16 %. I called to figure out what they were doing and the representative said that my minimum payment was short by {$.00} and it was not. She was referring to next months payment of {$130.00} the representative had no idea what she was talking about because it is clear that the payment was made on XX/XX/XXXX for a due date of XX/XX/XXXX in the amount of the minimum payment due of {$130.00} because their system took out a payment from an account that is no longer being used. They decided that I was past due where I was not past due because the payment was made on the XXXX. They have now lowered my available credit to XXXX. If this gets reported to the credit bureau, it is going to have a dramatic effect on my XXXX XXXX which intern will cause me to have a lower XXXX XXXX and not qualify for certain things that I would like to purchase this needs rectified ASAP and they owe me money The pictures I have included show where in XXXX I had {$17000.00} available credit and now they have plummeted that down to XXXX I also show you the payment made of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally explain the circumstances surrounding the cancellation of the original debt on my credit card account issued by your company. 
The account was canceled on the same day it was opened, despite my being in good standing, due to a verification issue. According to your customer service representatives, my identity could not be verified because the information provided sounded too much like that of a female, which caused difficulties in the verification process. As a result, my account was closed immediately. 
I want to clarify that I am transgender, and my personal information reflects this aspect of my identity. This has, unfortunately, led to miscommunication and verification challenges with your team. I assure you that my intent was to engage with your institution as a responsible and compliant customer. 
I respectfully request that you reconsider the status of the original debt and the account closure, given that there was no misrepresentation of my identity or any intention to defraud. I am willing to provide any additional documentation or clarification necessary to verify my identity and resolve this matter. 

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 explanation
Consumer complaint received 2025-10-05 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: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am submitting this complaint regarding the continued, inaccurate reporting of an account by XXXX credit on my consumer credit file. This account, identified by Account XXXX : XXXX, was paid in full on XX/XX/year>. Despite the obligation being fully satisfied, the account remains listed on my credit report as an active or negative item, which is an inaccurate reflection of its true, settled status and is negatively impacting my score. I request that the CFPB mandate XXXX XXXX XXXX immediately remove this account from all credit reporting agency files, as the obligation has been satisfied and its continued reporting is a violation of fair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : XXXX  | TransUnion | XXXX  Subject : Formal Dispute and Demand for Removal of Unlawful and XXXX XXXX XXXX Dear Credit Bureau, I am formally disputing the eviction entry currently listed on my credit file. The information being reported is inaccurate, unverifiable, and unlawfully maintained in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681s-2 ). 

The eviction in question contains the wrong date and account information and is tied to a legal action that was never properly served to me, violating my due process rights under XXXX  Code of Civil Procedure 415.10415.50. Because of this, any resulting judgment or record is invalid and can not be used for credit reporting purposes. 

Additionally, the creditor attempting to collect this eviction has failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and is continuing to report false information to the credit bureaus, which is prohibited under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

Therefore, I demand the immediate deletion of this eviction from all of my credit reports, as it : Can not be verified through proper legal records; Was obtained through unlawful process ; and Is being reported with incorrect information and dates. 

If this entry is not deleted within 15 business days, I will proceed with : Filing complaints with the CFPB, FTC, and California Attorney General, and Seeking legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

Please send written confirmation once the eviction has been permanently deleted from my credit report. 

Sincerely, XXXX XXXX XXXX : [ XX/XX/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 2025-10-05 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XXXX  XX/XX/XXXX at XXXX PM XXXX had a closing on my house and received Cashier check and I took it to the PNC bank to deposit Cashier check of XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX. The girl at the desk indicated she will need to get manager to over-ride for me to get cash back. The rude, XXXX  manager who acted indifferent with me because maybe I was XXXX  or did not look rich enough for her taste, gave no options and stated there was a hold and did not provide a 'written hold notice ' onsite which violates the on-site notice requirement under Regulation CC and PNCs own Funds Availability Policy. Then on XX/XX/XXXX in evening around XXXX or XXXX XXXX, my sister went to the PNC bank at XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX to inquire why we were not able to pull some cash out as it was a Cashiers check as the account was in me and my sisters name and the Bank Manager, XXXX, told her to come on XXXX  and she will allow cash to be pulled. My sister had a appt and I went there on XX/XX/XXXX at about XXXX XXXX  to get the cash pulled and then I got excuses again about new acct and etc. but still no 'Written hold notice ''. Not only did they break policy but they did XXXX and financial profiling, even though the XXXX XXXX saw my sister had other accounts with PNC for a very very long time so even history was there but they would rather XXXX and financial profile by just looking at a person. What makes this worse is that we had a conversation with XXXX while opening the account with me and my sister on XX/XX/XXXX and my sisters asked her will we have any issues getting some cash out when its cashier check is deposited and she stated 'no you will not ' so she is a liar also. As of XX/XX/XXXX its still showing nothing, even the pending went away. This very deceptive bad banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed my taxes and was expecting my refund to be issued on an American Express Serve card. However, I moved before the card arrived. I contacted the company to update my address and access my refund, but Ive been caught in a cycle of repeated requests and no resolution. 

Over the past XXXX  years, Ive submitted my updated lease, Social Security card, and ID multiple times ( at least XXXX times ), always in XXXX as requested. Despite this, Ive received no meaningful response. Every time I call, XXXX routed to an overseas representative who asks for the same documents again. I comply, but nothing changes. 

I am retired and urgently need access to my tax refund. The lack of resolution after years of effort is unacceptable, especially given the financial strain many are facing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
Re : Request for Investigation and Removal of Inaccurate Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported on my Equifax credit file in regard to the above-referenced account with XXXX XXXX XXXX XXXX reported as Charge Off.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information in my credit report that I believe is inaccurate, incomplete, unverifiable, or misleading. After reviewing my credit file, I have identified several discrepancies regarding this account : XXXX. The account is listed as Charge Off with a XXXX balance and a closed date of XX/XX/year>, yet it continues to report adverse statuses beyond the date of closure, which is misleading. 

XXXX. Narrative codes indicate Consumer Disputes This Account Information and Account Previously in Dispute Resolved by Data Furnisher, yet the account remains with derogatory notations, which contradicts accurate reporting requirements. 

XXXX. The account shows inconsistent reporting regarding payment history, including multiple late payment designations after the account was closed, which is not permissible under the FCRA. 

Because this account is being reported with conflicting, inaccurate, and misleading information, I am requesting an immediate investigation under FCRA 611. If the furnisher of this information can not provide complete and verifiable evidence to support these notations, I respectfully demand the deletion of this account from my credit file in its entirety.

Please provide me with written confirmation of the results of your investigation and a corrected copy of my credit report within the 30-day period required by law.

I am also including a copy of the relevant section of my credit report ( see attached screenshot ) highlighting the inaccurate reporting for your reference. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elite Recovery Group LLC
State: OR

Complaint narrative:
XXXX. I never received any bill or written validation notice from Elite Recovery Group LLC regarding this alleged balance. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( a ) ), a collector must send a written notice within five days of first contact. No such notice was ever provided. 
XXXX. The balance they claim may have been covered by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) during the XXXX period, which paid rent relief directly to landlords. The XXXX  portal has since shut down, and I am attempting to obtain documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify payment. 
XXXX. Because the collector has not validated the debt despite my written request, they are not legally allowed to continue reporting or verifying this account with XXXX  under FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ). 
XXXX. XXXX has allowed this unverified account to remain on my report, despite being notified that the collector failed to validate it. This violates FCRA 1681i, which requires the credit bureau to delete or correct information that can not be verified.

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 2025-10-05 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$10000.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, accurate, and complete manner, as well as promptly, so that it does not infringe upon my consumer rights or civil liberties.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: WI

Complaint narrative:
Client Services Inc. first attempted to collect a debt posted on the credit reporting agencies. However, the information on the credit reporting agencies is not posted accurately. Furthermore, the information provided by Client Services simply duplicates the credit reports and has not addressed the written account information as it was requested. The letter was sent certified USPS. A request for signature was signed by a representative upon delivery. An inquiry for information like the amount of debt and the account number was never provided beyond what is publicly available through a credit bureau, and was never provided as sold to them by the creditor. Now Client Services Inc. is offering a settlement of the debt without validation of the right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Im trying to assume loan from my deceased mother and its under the Estate of my moms name and Im on deed of distribution ; also am protected under certain federal laws for assuming my mothers loan ; Under the XXXX XXXX XXXX XXXX heirs have a right to assume an existing mortgage on an inherited property without credit approval. I also saw that my credit was ran by mortgage company and I have already been through the probate court process and Im also the successor in interest ; the only way for my loan to be modified is if I assume the loan so my house wont be foreclosed on ; I did every task asked and on time and always provided paperwork immediately. I have also completed all my trial payments on time so loan can be modified but keep getting denied because the company wont let me assume loan. I will also provide deed of distribution paperwork and a screenshot that my credit was ran even though they wasnt supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing LVNV Funding LLC for re-aging and re-reporting a deleted collection account. The original XXXX XXXX account was charged off in XXXX and sold to Resurgent Acquisitions in XX/XX/XXXX. LVNV Funding, an affiliate of Resurgent, began reporting the same debt with a new open date of XX/XX/XXXX and again on XX/XX/XXXX. 

This debt was already deleted from my credit report after a prior dispute, yet LVNV reinserted it under a new account number, which is a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) and 611 ( a ) ( 5 ) ( B ) ). This practice falsely re-ages the account and damages my credit by making an old debt appear recent. 

I am requesting that the CFPB investigate LVNV Funding LLC and require them to permanently remove any duplicate or re-aged versions of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX first attempted to collect a debt posted on the credit reporting agencies. However, the information on the credit reporting agencies is not posted accurately. Furthermore, the information provided by XXXX XXXX simply duplicates the credit reports and has not addressed the written account information as it was requested. The letter was sent certified XXXX. A request for signature was signed by a representative upon delivery. An inquiry for information like the amount of debt and the account number was never provided beyond what is publicly available through a credit bureau, and was never provided as sold to them by the creditor. Now XXXX XXXX XXXX is offering a settlement of the debt without validation of the right to collect.

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