vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has closed my account. They sent me a partial payment. I am still waiting for the funds that were in the account prior to Citibank deciding to close the account. There was approximately {$940.00} in the account, they are still holding these funds. I need these funds sent to me. Due to Citibank deciding to close my account I have had returned payment fees and or late fees applied to some of the payments I had made just before they froze the account. These were payments I made before I was made aware that Citibank was going to do this. It is not right that they did not honor my payments. 
I am requesting that Citibank send the funds 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 2025-12-07 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: NV

Complaint narrative:
I am filing a complaint regarding Discovers refusal to properly review or escalate my dispute involving both merchant misconduct and an overcharge. I hired a moving company, and immediately after the job, one of the movers contacted me off the clock and attempted to solicit XXXX XXXX  for money via XXXX. This is serious misconduct directly connected to the service I paid for, and it made me feel unsafe and violated as a customer. I reported this to the merchant, but they have not responded or taken any action. 

Additional Issue Overcharge : The merchant also overcharged me beyond the written amount they quoted. I received a written estimate for a specific total, but the movers charged me more than the agreed price because they moved extremely slowly and required me to physically assist them with the labor. The final amount billed did not match the written estimate, and I never approved the increased charge. This constitutes a billing error and an unauthorized price increase. 

Discover refused to investigate any part of this dispute. They stated they could not escalate the matter and that misconduct by the merchants employee was not something they could consider. They also refused to acknowledge the incorrect charge amount. I asked for written confirmation of their refusal or documentation of the dispute review, but Discover declined to provide anything. This makes it impossible to verify whether proper dispute procedures and card network guidelines were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unverifiable information appearing on my credit reports related to an alleged repossessed vehicle. I have already disputed this information with the credit reporting agencies and/or the furnisher, but the account remains inaccurate in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: MI

Complaint narrative:
I am submitting this formal complaint to report the unauthorized use of my personal information and the appearance of accounts and credit inquiries on my credit report that I did not apply for or consent to. These items are inaccurate, fraudulent, and in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Recently, upon reviewing my credit reports from the XXXX major credit reporting agencies, I identified multiple accounts and hard inquiries that I did not authorize, initiate, or consent to. I have reason to believe my personal information was used without my permission. These actions constitute identity theft and inaccurate credit reporting.

FCRA 602 ( A ) Ensures fair and accurate credit reporting and protects consumer privacy.

FCRA 604 Permits access to consumer reports only with written permission or other permissible purposes, which I did not provide.

FCRA 605B Requires credit bureaus to block information resulting from identity theft once notified by the consumer.

FCRA 609 ( e ) Gives identity theft victims the right to documentation related to fraudulent transactions.

FCRA 611 Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information.

FCRA 615 Prohibits taking adverse action based on information obtained without proper authorization.

The presence of these accounts and inquiries is causing financial harm, lowering my credit score, and impacting my ability to obtain credit on fair terms. I have already disputed these items with the credit bureaus, yet they remain on my credit report. I am requesting the CFPBs assistance in ensuring that the credit bureaus comply with federal law and remove the fraudulent information immediately. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$29000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Thank you for your attention to this matter. I am requesting your assistance in ensuring these violations are corrected promptly and my rights under the FCRA are upheld.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FDR Asset USA LTD
State: GA

Complaint narrative:
On XX/XX/XXXX I received a text from XXXX : FDR Alliance LLC, a debt collector. We recently sent you a notice regarding your account with XXXX XXXX XXXX XXXX Account XXXX. Visit XXXXdrallianceXXXXXXXX for payment options. Txt STOP to optout. 

I have not had any business communications with XXXX XXXX XXXX XXXX since XX/XX/XXXX when their representative performed an estimate for services under a home warranty contract. 

I have no knowledge of any debt owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
MOHELA is falsely reporting that I made {$4000.00} in on-time payments toward a student loan I never received, never authorized, and have never paid. This is blatant misreporting, a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681n, 1681s-2 ), and potentially constitutes fraud or identity theft. Under FCRA, they are required to maintain maximum possible accuracy when furnishing information to credit reporting agencies, and knowingly reporting false information is illegal. I demand that MOHELA immediately delete or correct this account, remove any false payment history, confirm in writing that I do not owe this debt, and cease any further reporting or collection attempts. Failure to comply may result in legal action under FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws. I will be reporting this to every legal channel available because you have crossed the line in a major way. XXXX fraud was bad enough, but now MOHELA is openly falsifying my information and you really thought I wouldnt catch it. This is a blatant abuse of federal reporting laws, and MOHELA has no business servicing anyones loans. This agency needs to be investigated and shut down. Whoever is responsible for falsifying this information, I demand you come forward immediately. You dont get to hide behind a system while tampering with my federal records and violating federal law. I will not tolerate this, and I will make sure the responsible party is identified and held fully accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: IL

Complaint narrative:
b'The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act (FCRA) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
EquifaxXXXX. XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Request for Verification or Deletion FCRA 611 To Whom It May Concern, Please reinvestigate the following inaccurate and unverified collection accounts appearing on my Equifax credit file : Accounts to Investigate & Delete XXXX. XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$1500.00} I dispute these items because the furnishers have not provided proper documentation such as proof of ownership, agreement bearing my signature, or itemized account statements.If they can not be validated, they must be deleted. 
Please provide written confirmation of your investigation results. 
Best Regards, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
Back in XXXX of 2025, I called XXXX XXXX XXXX XXXX to try to settle both of my open credit accounts. While there would not settle XXXX of the accounts, they accepted an offer of XXXX to settle my VISA card. I sent in the money, and in XXXX, they sent me a letter verifying the agreement. 

Now they are reporting the account as over 120 days late, and they have been harassing me multiple times with phone calls. Every time they call, their excuse is that the department I need to speak to is closed. I have tried emailing, and I have not gotten any response.

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 2025-12-07 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: CA

Complaint narrative:
Back in XXXX of XXXX, I called XXXX XXXX XXXX XXXX to try to settle both of my open credit accounts. While there would not settle one of the accounts, they accepted an offer of XXXX to settle my XXXX  card. I sent in the money, and in XXXX, they sent me a letter verifying the agreement. 

Now they are reporting the account as over 120 days late, and they have been harassing me multiple times with phone calls. Every time they call, their excuse is that the department I need to speak to is closed. I have tried emailing, and I have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Shellpoint Mortage sold my mortgage to another company. During this process they reported my payment 30 days late. This payment has always been made on time. I have called them they show its a mistake. Now my credit has tanked because of this incorrect report. I have no update when this will be taken care of.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Self Financial Inc.
State: CA

Complaint narrative:
I had a self builder account where I paid them every month a set amount and after a certain amount, they would give me all the money that I paid them back. I didnt get loaned anything, I paid money just to build credit. Three months ago, I contacted them to close my account. They didnt, and then it hit my credit for almost XXXX points!!!. I then call them to close it, still didnt. And now three months later, it still isnt closed and affecting my credit. XXXX XXXX off this company is ruining my life and refuses to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I am submitting this complaint because Equifax is publishing multiple, conflicting versions of the same XXXX credit card account, making the accuracy of the tradeline impossible to verify. 

The XXXX account was settled on XX/XX/year> with a {$1700.00} settlement amount on a {$3100.00} balance. After settlement, the balance is {$0.00}. 

However, Equifax is simultaneously reporting contradictory information for this single tradeline : The Overview section correctly shows a {$0.00} balance and a PAID activity status. 
Other Equifax sections still show a full charged-off balance of {$3100.00}, a past-due amount, and pre-settlement charge-off data. 
The XXXX payment history also shows old delinquency amounts inconsistent with the settled status. 
These conflicting data sets appear to originate from different internal fields being merged incorrectly. 

As a result, lenders reviewing my Equifax report ( including XXXX during a HELOC review ) are interpreting the account as still owed or currently delinquent, even though the account was settled and has a {$0.00} balance. This meets the legal definition of materially misleading under the Fair Credit Reporting Act. 

I contacted Equifax, but they did not identify the conflicting internal data and stated that the reporting was correct, even though the data contradicts itself. Because of these inconsistencies and Equifaxs inability to publish a single accurate version of the tradeline, the account can not be verified for completeness or accuracy as required by FCRA 1681e ( b ) and 1681i ( a ).

I am requesting that this tradeline be corrected across all fields or deleted entirely if Equifax and the furnisher can not provide XXXX consistent, complete, and accurate version of the account.

Company response to consumer: Closed with explanation