vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
An account labeled XXXX XXXX XXXX appears on my credit report that I do not recognize. I disputed the accounts validity and requested verification ( including a signed promissory note or loan agreement ), but XXXX has provided no documentation to prove this debt is mine. 

Under the Fair Credit Reporting Act, furnishers must investigate disputes and ensure that only accurate, complete information is reported. If a company can not verify a debt after a dispute, the law requires it to instruct credit bureaus to remove that information. Because XXXX failed to verify this account, the listing is inaccurate and should be deleted from my credit report. 

Sources : Fair Credit Reporting Act requirements

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 2025-08-29 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: AL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
I did not approve this inquiry, and I did not engage with the lender on the mentioned date.

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 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
My sign in to Mohela won't work, even when I try to reset the account with my social security number. It just says no account was found with that information. I call, it wastes over 2 and a half minutes with arbitrary announcements that don't apply to me. I've gone through nearly every menu option and can not get to a human. This feels extremely predatory. I just want to pay my loans and I can't even get into my account or get help getting into it. I don't understand how they can legally waste so much of my time and offer no clear route to success. 
XXXX https : //mohela.studentaid.gov/

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Dispute Regarding XXXX XXXX XXXX XXXX and Citi Credit Card Charge Dear Consumer Financial Protection Bureau, On XX/XX/year>, I booked a 5-night stay with XXXX XXXX XXXX XXXX for a total of {$3200.00}. After the first night, I was forced to check out due to unsanitary conditions at the property and food poisoning. 

I immediately contacted both XXXX XXXX XXXX XXXX and my credit card company, Citi, to notify them of the issue and to request a partial refund for the unused portion of the reservation. 

XXXX XXXX XXXX XXXX did not respond to my direct communication. However, in response to my formal dispute through Citi, they claimed that I had never reached out to them. This statement is false. I submitted evidence to Citi showing that I had in fact contacted XXXX XXXX through their website. Despite this, Citi closed my dispute without issuing a refund. 

I reached out to XXXX XXXX XXXX a second time after my dispute was closed, and enclosed the letter I had orginally emailed them, but again received no communication back. 
I then requested Citi to reopen the case and provided additional documentation, but they closed it again, citing the same reasoning. At this point, both XXXX XXXX XXXX XXXX and Citi have refused to refund the unused portion of my reservation. 

I am seeking assistance from the CFPB to ensure that I receive a fair resolution and refund for the services I did not receive. 

Attached for your review : XXXX XXXX XXXX XXXXCommunication with Citi Visa card. 

Documentation of my dispute with Citi and their responses. 

Thank you for your assistance in this matter. 

Sincerely, 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 2025-08-29 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: AZ

Complaint narrative:
On XX/XX/year>, my wife purchased a meal at XXXX XXXX XXXX for approximately XXXX. Instead, our credit card was charged nearly XXXX. 

I contacted XXXX XXXX XXXX, and they investigated the transaction. In writing, they admitted that the charge was entered incorrectly on their side. Despite acknowledging the error, they have not issued any refund. 

I then disputed the transaction with Citi. Under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute charges for goods/services not received as agreed or billed incorrectly. Despite providing documentation including XXXX XXXX own admission of error Citi denied my chargeback request and refused to issue a refund. 

I am therefore seeking CFPB assistance to enforce my rights under consumer protection law. Citi should have reversed this incorrect charge.

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 2025-08-29 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} OR XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-29 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: DISCOVER BANK
State: WI

Complaint narrative:
Around XX/XX/ 2025 I received a call from a man named XXXX from XXXX XXXX informing me that someone had tried to open a XXXX  XXXX XXXX XXXX XXXX for {$9500.00} in my name. XXXX claimed that a man named XXXX XXXX at XXXX  ( Case # XXXX ) had informed them of the identity theft. XXXX XXXX ( also called XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ). I did not know this as this was shown in a letter from my credit card DISCOVER XX/XX/ 2025. I was coerced and pressured in allowing XXXX from XXXX XXXX to charge {$4400.00} to XXXX XXXX and to charge {$2100.00} to my Discover card. This was on XX/XX/2025. He told me not to call Discover or XXXX because they would say it was fraud or a scam. I did call each of them while the charges were pending in XX/XX/2025 and was assured by representatives at both XXXX and Discover that the charges would not go through. I asked them to close my accounts and issue new cards which they did. However, after sending letters to them Discover added the charge to my new card. Twice I sent letters to Discover asking them to reverse the charge and twice they said the charges were valid. XXXX said there were two companies they used to handle debt settlement issues - I don't remember the name of one but he stated they were not taking any more clients ( or customers ). They referred me to XXXX who I looked up and found they had a XXXX rating I believe and I became suspicious so I hired an attorney and he was able to get XXXX  to refrain from charging my checking account. 
XXXX  closed my account and that solved one problem. However Discover is refusing to reverse the charge of {$2100.00} and insists it is valid. XXXX had informed me not to call anyone else but to call only XXXX XXXX at XXXX. This number can no longer be reached to get them to reverse the charges. I have never received any services or products from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been locked out of my account because I recently changed my phone number from XXXX, to XXXX and because of that I can't talk to anyone because I have to verify my identity just to log in and I can't receive the 6 digit code on my old phone number to get verified, or logged in. I've spoken with a couple of live people who send me back into the automated loop and now I have no way to access my account, or anyone to actually talk to about this.

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 2025-08-29 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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: AR

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have Bussiness account with Bank of America from 4 years now, on XX/XX/year> I make a deposit of a check for {$2300.00} they put on hold for 10 days and they told me they will realise the money on Saturday at XXXXXXXX XXXX I call Saturday at XXXX because the money never when through the account, when I call at XXXX XXXX they said the money was reales but the balance was the same amount that I have before XXXX XXXX on Saturday, when I call they said everything is fine on my side you get yours money I say no my money never was release, is the same balance before XXXX am they say is no way to put a complain because everything looks fine normal in there record, so I lose {$2300.00} they never give me the money back. 
The second time two weeks ago I give a check to my daughter from my Bussiness account I when to the bank with her to get information about the cd rates so when my daughter cash the check they charge twice to the account, that day I took a screenshot from the Bank of America app to have prove that is doble transaction, the teller told me the money will be send back to youre account in the middle of the night well next day I check the account balance, money never when back to my account and the bank have information showing that my account everything is fine, so I talk to the same person at the bank Of America branch of XXXX Virginia I told her the money did not when back to my account she check all the transaction look fine but the balance was short {$820.00} I told the teller she call somewhere they told her they can not put a dispute because is nothing to show or prove to show the main office so I have lose {$2300.00} and my {$820.00} I have prove of my account with the doble fee, at this point somebody is stilling money from Bank of America bank and Im losing my money and Bank of America is not been responsable in returning my money, some how they fix the transactions and staments so is nothing to dispute but I know Im loss Im losing my money with out the bank respondng of my lose.

At this point I dont know what to do and who to contact. To get my money back.

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 2025-08-29 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: AL

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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