vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried purchasing a XXXX XXXX from one " XXXX XXXX XXXX '' in Texas. Dealer license was active and clear, website was good, and email addresses were matching. I spoke and received emails from multiple people from the sales rep, financial team, to the warehouse manager who washed and cleaned the car. They sent over bill of sale and financial forms to fill out. I applied for in house financing and was approved. I submitted everything and then wired {$10000.00} into their business account.That happened on the XXXX of XX/XX/year>. The car was loaded onto a hauler the next day, they sent me pictures for verification. I followed up with them over the 2 days and they said that vehicle is still in route and will make it by Saturday. Saturday came and at about XXXX they called to let me know that the hauler was in a collision and they do not know the status of the vehicle. Being in logistics I knew where to look to find the collision report and low and behold, there was nothing anywhere. That point I knew it was a scam. I called them Monday, they said that they will be refunding me and then again I had another feeling. The XXXX I filed the report with my bank, Citi Bank, as well as a police report and another report with the XXXX. On the XXXX I called Citi Bank to see the status and the XXXX XXXX XXXX XXXX  acknowledged the receipt of these documents. Since then I have called multiple times being assured by the bank that they are " still in communication and are sending follow up emails ''. It has been 90 days now and I just found out yesterday from a Citi Bank Supervisor that the last correspondence they had with XXXXXXXX XXXX  was th XXXX of XXXX. So the whole time they were telling me they sent email and were in contact, they were not. I still have yet to see anything at all in regards to a resolution. Wether I am getting my money back or not.

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 2025-04-23 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financialXX/XX/XXXX. I am simply seeki
ng an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-04-23 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: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received a email regarding a activity on my XXXX XXXX credit account, a collection that was removed, had been put on my account by a different unknown agency, with the attention to request for debt verification, I could not because the collection agency was allowed to apply a collection account with phone number or address, just city, state and zip code, first because this collection amount was place on my account in the past and removed, and the agency negated to provided accurate information, this account should be disputed and removed, also, because my account has been in frozen status, this account should have never been applied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of credit accounts that has late payments shown below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Date : XX/XX/XXXX- XX/XX/XXXX ; XX/XX/XXXX- XX/XX/XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Company : Aidvantage Product : XXXX XXXX Issue : Incorrect information on credit report What happened : I submitted a federal forbearance request to Aidvantage on XX/XX/XXXX 2025. They failed to process it, and as a result, I have been falsely reported with 145 late payments. I disputed these late marks online on XX/XX/XXXX2025, but Aidvantage is now claiming they only received the dispute on XX/XX/XXXX2025, attempting to restart the 30-day dispute timeline. 

When I called Aidvantage to resolve this, they admitted the forbearance wasnt processed and offered to submit an internal dispute, but only from XX/XX/XXXX onwardignoring the broader error and damage. I asked for the dispute receipt confirmation and call notes, but the representative refused to provide them unless I had a subpoena. When I stated I would escalate the matter to the CFPB, the representative abruptly ended the call. 

This is a clear violation of the Fair Credit Reporting Act and a failure of fiduciary duty as a federal loan servicer. The forbearance and dispute were submitted timely, and Aidvantages internal delays are not my responsibility. Their reporting has caused massive damage to my credit score and finances.

I am requesting : 1. Full removal of all 145 late payments. 
2. Written confirmation of my original dispute date ( XX/XX/XXXX ). 
3. An investigation into the call and a record of what was said.

4. Accountability for Aidvantages mishandling of my forbearance and dispute.

I am also filing a complaint with the XXXX XXXX XXXX Ombudsman and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I received a notification that I was taking {$500.00} out of my Credit Karma Spend Account. So as soon as it happened, I opened up my Credit Karma App and noticed the money indeed came out. Knowing this wasn't me, I froze because there aren't many options on the app. I have already locked the debit card so obviously that didn't prevent them from taking money out my account. Prior to this incident, I went on the app and marked the actual card lost and requested it to be sent out. Then I tried updating my address so it would come to my new home. As soon as they took money out of my account I noticed they had a date for my card to have been sent out, when it wasn't there prior to this. So I tried locking both cards again and thought that wouldn't work because I've already done that. So I immediately changed my pin. After doing, I reviewed the declined purchases and the ATM withdraw and contacted support through chat. Chatted to someone named XXXX and she let me know that she deactivated the account for me. I asked her the next steps to take and she gave me advice to contact them to do a dispute instead of doing it through the app myself. I got up the next day to try and figure out how this happened. I noticed that my number wouldn't work with my account. Once I got in, I had to change my phone number back to my actual number. I could only see the last four digits of the number on the profile and it's a number I have never had or known anyone else to have had before. Then I went to see where the transaction came from and it was Massachusetts.. I also noticed that they tried the card and it declined the first time they tried the XXXX but worked the second time, then tried to buy XXXX worth of XXXX XXXX twice after the ATM withdraw went through. I have kids, so once I got the time to talk to the dispute people I made sure I could see the correspondence in my email like they mentioned. I went back to check my phone later that afternoon and noticed they were trying to use my card again to withdraw XXXX and it declined because it's frozen. This time I looked up the address again and it was a chase bank in Georgia. My account is still frozen because I decided after I did the dispute to hang up instead of unfreeze my account because if they are accessing this information how would I know they wouldn't do it again so easily. SO I'M GLAD I DID HANG UP. But now my dispute was closed this morning with no information on how they decided this and it hasn't even been a full 24 hours of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WI

Complaint narrative:
Mohela is reporting to credit bureaus that my total loan balances are {$230000.00}. This includes one loan for {$64000.00}, one for {$4700.00}, and one for {$8700.00} that are reflected on my credit reports at all three bureaus but are not on their website ( or the dept of education ). I emailed Mohela XX/XX/year> about this incorrect reporting and have not heard anything back from them. 

My total loan balances, according to both the Dept of Education financial aid site and Mohela 's account center, is {$150000.00}. 

This inaccurate reporting has dropped my credit score more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
My student loans were forgiven under XXXX on XX/XX/XXXX. I reached XXXX payments on XX/XX/XXXX, but Mohela failed to count XXXX prior payments made. I was advised to continue payments through XX/XX/XXXX, which I did. Payments in the amount of {$340.00} for each month. Mohela owes me a total of {$680.00} for the extra months of XXXX and XX/XX/XXXX. I filed a complaint with them on XX/XX/XXXX and have received no response. My account has been reported as closed through the credit reporting agency ; however, money is owed to me. Im seeking assistance with my refund and a date when it will be received. It has been XXXX XXXXnths, since the loan was forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
XX/XX/XXXX I received a XXXX deposit from my job I made a purchase for XXXX at a gas station which left me with XXXX went back to withdrew money and it declined it XXXX was sent to XXXX XXXX I reached out to XXXX XXXX he told me he didn't have it I have the email someone called my job and tried to change my info at the end of the day I was scammed for XXXX which XXXX want reimburse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Accounts Department of Treasury - {$4000.00} XXXX XXXX  {$1800.00XXXX XXXX XXXX {$6800.00} XXXX {$840.00} Dear Credit Bureau , I am writing to formally dispute several collection accounts currently reported on my credit file with your agency. This letter serves as a formal request for reinvestigation under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and as notice under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ) that I dispute these debts and do not wish to be contacted further by collection agencies related to these accounts. 

I dispute the accuracy and validity of the following accounts appearing on my credit report : Department of Treasury Balances Reported : {$4000.00} XXXX XXXX Balance Reported : {$1800.00} XXXX XXXX Balances Reported : {$6800.00} XXXX Balance Reported : {$840.00} These accounts appear to be either unverifiable, inaccurate, or potentially no longer legally collectible. Furthermore, I have not received any IRS Form 1099-C for any of the above debts, despite the fact that they appear to be listed as charged off or written off by the original creditors. Without a 1099-C, these debts can not be considered forgiven income for tax purposes, and their reporting may be in violation of federal laws.

Under the FCRA, all information reported must be accurate, verifiable, and complete. If these accounts can not be validated with full documentation from the original creditors, they must be immediately removed from my credit report. I am also asserting my rights under the FDCPA, 15 U.S. Code 1692c ( c ), and requesting that all third-party collection communications cease immediately.

Furthermore, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and am also submitting this matter for investigation by the Executive Office of the Attorney General due to concerns about potential consumer rights violations.

Please conduct a full reinvestigation of these accounts and provide me with a written response outlining the results of your investigation within 30 days, as required by federal law. I also request an updated copy of my credit report reflecting any changes made as a result. Thank you for your time and cooperation in 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