vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
ON XX/XX/XXXX A PAYMENT OF XXXX AND XXXX XXXX  WAS MADE IN CASH IN SAMS CLUB STORE XXXX NJ. THE SAME IS ADMITTED IN STATEMENT ISSUED IN SUSEQUENT MONTH AND EMAIL SENT TO COFIRM SAMR. 
SCHORONY BANK IS DENYING PAYMENT AND REVERSAL WAS MADE XX/XX/XXXX 2025

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-21 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: DE

Complaint narrative:
In XX/XX/XXXX, I received repayment information on my student loans from MOHELA. I am under an income contingent repayment system. My loans are {$0.00} per month until XX/XX/XXXX when they shoot up to {$4500.00}, which far exceeds the 20 % of my discretionary income. I have repeatedly tried to call, send messages through their portal, and write letters. Their responses from their portal are canned, boiler plate language that is outdated and does not address my concern. I received a letter in XXXX stating that my recertification date has been pushed out to XX/XX/XXXX. I received a letter this weekend in response to my XX/XX/XXXX letter to them that stated there will be a 90-day processing delay on my correspondence, which brings me dangerously close to the repayment time. There is no way I can my over 50 % of my discretionary income. I have called them numerous times and keep getting told that I need to speak to their advanced team, but the hold time is always 8+ hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-04-21 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I hope this message finds you well. 

I am writing to bring to your attention a matter of serious concern regarding my mortgage loan serviced by Bank of America ( XXXX # : XXXX ). Due to an unexpected job loss in XXXX I was temporarily unable to meet my mortgage obligations. However, upon securing a new role later that yearand continuing into 2025as XXXX XXXX in the FCC, XXXX, and Surveillance division at XXXX XXXX a subsidiary of XXXX XXXX XXXX  Corporation XXXX XXXX ), I promptly reached out to Bank of America to apply for a loan modification. 

During this time, I was also contacted by Bank of America 's Relationship Managers encouraging me to pursue modification options. With genuine intent to resume payments and retain my home, I submitted multiple modification applications ( three to four times ). Unfortunately, each application was declined on the grounds of income not verifiable.

I find this reasoning difficult to understand, as I submitted all necessary documentation, including ADP-generated pay stubs and direct deposit records into my personal accountstandard income verification methods, particularly in a globally recognized financial institution such as XXXX. 

While my applications were being denied, foreclosure proceedings were simultaneously initiated at an alarming pace. I am deeply concerned by what appears to be a lack of due diligence, potential consumer rights violations, and non-compliance with regulatory standards in this process. 

I respectfully request your intervention and a thorough review of my case. I have made every effort to resolve this matter in good faith, and I remain fully committed to meeting my obligations and keeping my home. 

Thank you for your attention and understanding. I look forward to a fair and timely resolution.

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want to be a first time home buyer. When I noticed all the blatant errors on my consumer credit report. After several attempts to get problem rectified. I was answered by a " Information is verified " response after every attempt. All XXXX credit bureaus have erroneous information that is crucial to my home purchase success.

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 2025-04-21 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: AZ

Complaint narrative:
I want to be a first time home buyer. When I noticed all the blatant errors on my consumer credit report. After several attempts to get problem rectified. I was answered by a " Information is verified " response after every attempt. All XXXX credit bureaus have erroneous information that is crucial to my home purchase success.

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 2025-04-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2025 I went to the XXXX website and had my XXXX payment sent back to my XXXX XXXX  account to have my next payment deposited there after my XXXX bank account was compromised. On XX/XX/2025 the deposit went through and was delivered to XXXX  XXXX I had asked. That morning I realized I had misplaced my XXXX XXXX, debit card to access the money. I immediately called the number they had listed to report I had lost my card. I did not have my card number that they asked for on the automated system, of course so i put in the last XXXX digits of my SS # and XXXX as asked. They said no account matched my info. I tried to call customer service and ran into the same problem. Here I am almost XXXX weeks later and I have yet to be able to speak to any live human. I access the XXXX XXXX  app and any account number or my debit card information is not available at all. So I tried to transfer the money to my new XXXX XXXX account, but it states an unknown error to transfer. Its like my account doesnt exist. Yet my money sits there showing the date it was deposited. How am I supposed to report my card lost or stolen or better yet even get a card sent to me if I have yet to access a live human or any other entity in order to speak with someone about my issue and also have no information to give them as far as a debit card number or account number. I called XXXX and explained to a supervisor what was going on they said to contact XXXX XXXX even after explaining to them what my problem has been in. ontacting them. I can not get through to speak to a live person nor any other entity to have them help me at all. So if XXXX wont help me and XXXX XXXX is unavailable to be contacted through a single number that I have looked up online on every site possible and called for XXXX weeks solid how am I to get my funds that were deposited to an account that has no account number, and asks for my debit card information the clearly I dont have? How did they know to deposit it into the account that had my name on it though? Just the fact that they dont have anyone to contact isnt good business. Im sure this isnt the first time this has happened. I need somebody to contact me from the company and explain to me how I am to get or transfer my funds. I am on XXXX and this is detrimental in me paying my rent and utilities. Today Im even going to try to have my son call the same numbers I have because he is coincidentally on unemployment and see if we can get a live person hopefully with his account even so this shouldnt be what I have to deal with in order to just report my card lost, and need to order a new one, also in accessing my funds. Absolutely unacceptable! I will also be sending them a letter today to there address listed in Georgia which is utterly ridiculous that I have to take the time to do this due to their lack of accessibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
When I came out of bankruptcy, there was an issue with the XXXX account. I had no I did work with XXXX through the FCC. I talked with XXXX security rep who then told me that if I no longer wish to have the service to have my line disconnected before XX/XX/XXXX to which I did and that nothing would be furthered owe now I did follow, the instructions per the person from XXXX and everything was shut off before XX/XX/XXXX. I did shut down the account and everything was fine until just last week when I started getting messages from CBE collection agency I did try to send them a copy of what was in the FCC email from the higher up and XXXX. They told me doesnt matter. XXXX sold some I now owe them over XXXX dollars. This debtis no longer valid as the fact. This was worked out with the FCC involvement as I just emerged from bankruptcy and XXXX tried to have build from when I filed bankruptcy the debt I owed before now CBE needs to sit down and send it back to XXXX or suck it up that they were sold a bad debt. 
Im attaching a copy of XXXX who is the executive rep from XXXX XXXX of her communications Im also putting in the fcc ticketnumber. and I am contacting the FCC to let them know that this was a breach of settlement between XXXX at XXXX and us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XX/XX/scrub>XXXX  EXPERIAN XXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XX/XX/year> EXPERIAN

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 2025-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The original balance of {$320.00} on the Comenity XXXX XXXX  XXXX XXXX account ending in XXXX was paid in full on XX/XX/year> ( via ACH thru XXXX XXXXXXXX XXXX XXXX  ) only three days after the due date of XX/XX/year> because I did not receive a statement in the mail. Despite this brief delay, Comenity is attempting to collect {$330.00} in late fees alonean amount that exceeds the original balance and appears to be excessive and without justification. I requested a full and detailed itemization of how these late fees were calculated, including all dates, amounts, and the contractual basis for such charges. Additionally, I asked them to please provide documentation verifying your legal authority to collect on this account. I had asked them to close the account several times and they would not close the account. They told me even if we close the account the fees will keep accruing. They have now turned me over to XXXX XXXX XXXX XXXX acct # XXXX in which I have also disputed the excessive fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, This is a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning one or more charge-off accounts currently reported on my credit file.

In response to my previous dispute ( s ), you have failed to conduct a reasonable investigation as required by law. Sending me old billing statements does not constitute proper verification. I am now demanding full and proper documentation for each charge-off account, including : A copy of the purchase agreement or assignment contract between the original creditor and any debt collector or third-party debt buyer reporting this account. This is required to prove they have the legal right to collect or report this alleged debt. 
If the account was charged off, provide a copy of the IRS Form 1099-C issued by the creditor. If the debt has been canceled and a 1099-C was issued, it should no longer be reported as collectible.

Billing statements alone are not sufficient. Under federal law, you must obtain and provide complete validation from the furnisher. 
Furthermore, do not send me another stall letter claiming you can not verify my identity. I have already submitted a copy of my government-issued photo ID, Social Security card , and a bill which meets and exceeds your identification requirements.

If these charge-off accounts can not be properly validated with the required documentation within 30 days, you are required by law to remove it from my credit report immediately.

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 2025-04-21 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: PA

Complaint narrative:
To Whom It May Concern, This is a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning one or more charge-off accounts currently reported on my credit file.

In response to my previous dispute ( s ), you have failed to conduct a reasonable investigation as required by law. Sending me old billing statements does not constitute proper verification. I am now demanding full and proper documentation for each charge-off account, including : A copy of the purchase agreement or assignment contract between the original creditor and any debt collector or third-party debt buyer reporting this account. This is required to prove they have the legal right to collect or report this alleged debt. 
If the account was charged off, provide a copy of the IRS Form 1099-C issued by the creditor. If the debt has been canceled and a 1099-C was issued, it should no longer be reported as collectible.

Billing statements alone are not sufficient. Under federal law, you must obtain and provide complete validation from the furnisher. 
Furthermore, do not send me another stall letter claiming you can not verify my identity. I have already submitted a copy of my government-issued photo ID, Social Security card , and a bill which meets and exceeds your identification requirements.

If these charge-off accounts can not be properly validated with the required documentation within 30 days, you are required by law to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-21 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: CO

Complaint narrative:
On XX/XX/XXXX, I purchased bathroom tile from a company online. The tile was purchased through XXXX invoice. The tile we received was defective. I contacted the company to resolve it, but they were unwilling to resolve. I opened a claim with XXXX ; however, XXXX said they are not able to investigate and I need to file a chargeback with the credit card. On XX/XX/XXXX, I filed the chargeback with Citi, as this is the credit card used to pay the XXXX invoice. On XX/XX/XXXX, Citi informed me that they will close the case in the vendor 's favor, citing " With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor ''. I had provided ample proof of the defective tile, as well as a direct communication with XXXX ( the merchant charging my card ) saying to file the chargeback. I believe Citi did not due any due diligence or investigation and closed the case. This is against their terms and conditions that protect consumers when using their credit cards.

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