vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
Unifour Financial Services repossessed my vehicle in XX/XX/year>. The vehicle was subsequently sold, but I was never notified of the sale or provided an accounting statement. Despite the sale, Unifour Financial continues to report missed or late payments after the date of repossession, which is inaccurate and misleading.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1681i ( a ) ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 8 ) ) Uniform Commercial Code 9-611 and 9-616 ( failure to notify or account for sale )

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 2025-11-03 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported.

I request the update of the reported late payment.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since XXXX  never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-03 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:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Citibanks failure to release a {$9000.00} refund that was issued by XXXX XXXX and credited to our Citibank credit card account. Despite multiple calls and confirmations from the merchant, Citibank has not released these funds to us, and we have received inconsistent and inaccurate information each time weve contacted them. 

Summary of the Issue Refund amount : {$9000.00} Merchant : XXXX XXXX Reason for refund : Two airline tickets purchased and subsequently refunded by XXXX XXXX  XXXX issued refund : XX/XX/year> Credit posted to Citibank account : XX/XX/year> Timeline and Attempts to Resolve Once we saw that our refund credit was on our credit card, we first contacted Citibank on XX/XX/year>, and have since called approximately five times regarding this matter. Each time, we were given different and contradictory explanations : That the dispute was still open this is false ; XXXX has confirmed the refund was issued and the dispute closed. 

That Citibanks investigation team needed to review the refund because of its size this has already been verified by the merchant.

That the disputes are closed, but Citibank must now start a new investigation before releasing funds which makes no logical sense. 

We have written documentation from XXXX confirming the refund has been processed in full. Citibank has acknowledged the credit on our account but has failed to transfer or release the funds to us. 

Ongoing Concern After a month of repeated calls and no progress, this situation has begun to feel deceptive and potentially improper. Citibank is holding funds that do not belong to them, providing circular and inconsistent explanations, and offering no clear path to resolution. 

We respectfully request the CFPBs assistance in ensuring that Citibank : Confirms receipt of the {$9000.00} refund from XXXX. 

Releases those funds to our account immediately. 

Provides a clear written explanation for the delay and mishandling of this refund. 

We have all supporting documentation from XXXX and are happy to provide it upon request. 

Thank you for your attention and assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NM

Complaint narrative:
XXXX sold and closed XXXX. Escrow amounts of XXXX has not been returned although XXXX XXXX  XXXX has told me that check would be sent XXXX different times. I believe law requires this return XXXX business days after closing, it has been XXXX  days by XX/XX/year> please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payment history on my credit report. Upon review, I noticed that XXXX or more accounts are being reported with late payments that are not accurate, verified, or properly documented. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of all information they report. Furthermore, according to 15 U.S.C. 1681i, I have the right to dispute any item of information that I believe to be incomplete or inaccurate, and the credit bureau must conduct a timely and reasonable reinvestigation to verify its accuracy. 

Reporting late payments without sufficient proof of delinquency or verification from the original creditor constitutes a violation of the FCRA. These errors have caused unnecessary harm to my credit standing and misrepresent my payment behavior.

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 2025-11-03 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:
I am submitting this complaint regarding the inaccurate reporting of late payment history on my credit report. Upon review, I noticed that XXXX or more accounts are being reported with late payments that are not accurate, verified, or properly documented. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of all information they report. Furthermore, according to 15 U.S.C. 1681i, I have the right to dispute any item of information that I believe to be incomplete or inaccurate, and the credit bureau must conduct a timely and reasonable reinvestigation to verify its accuracy. 

Reporting late payments without sufficient proof of delinquency or verification from the original creditor constitutes a violation of the FCRA. These errors have caused unnecessary harm to my credit standing and misrepresent my payment behavior.

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 2025-11-03 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: GA

Complaint narrative:
Experian has failed to comply with its legal duty under the Fair Credit Reporting Act ( FCRA ) 611 to conduct a reasonable reinvestigation after I submitted a formal dispute. I provided supporting documents clearly proving that the account ( XXXX ) in question are being reported inaccurately including missing Date of First Delinquency ( DOFD ), missing Date Closed, and incorrect account status ( reported as open/charged off despite being paid or closed ). 

Experian simply verified the accounts without any evidence of an actual investigation or communication with the furnisher. The results provided were vague, lacked verification

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 2025-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian has failed to comply with its legal duty under the Fair Credit Reporting Act ( FCRA ) 611 to conduct a reasonable reinvestigation after I submitted a formal dispute. I provided supporting documents clearly proving that the account ( XXXX ) in question are being reported inaccurately including missing Date of First Delinquency ( DOFD ), missing Date Closed, and incorrect account status ( reported as open/charged off despite being paid or closed ). 

Experian simply verified the accounts without any evidence of an actual investigation or communication with the furnisher. The results provided were vague, lacked verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I respectfully request that each of the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX  : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX  : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This bank just closed and blocked my bank account without any reason and at this time has passed many several months and they just not send my refund check with my avaliable balance held at the moment of closure, already called and contact many times and they just refusing solve anything so i just need my money, so my unique request is the issuing from this bank with my refund check from this bank to my address on file for my money held there that are about XXXX or close to this amount, I hope for solution of this frustrating and unfair situation!

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
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I maintained loans with Navient from XX/XX/XXXX, until XX/XX/XXXX, at which point they were consolidated. Throughout my association with them, my loans experienced various statuses including repayment, default repayment, deferment, forbearance, and repayment multiple times prior to consolidation. I found it challenging to acquire comprehensive loan details from their customer service to confirm the accuracy of my balances or to determine the precise date of consolidation. Nevertheless, I am assured of the correctness of my loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: AL

Complaint narrative:
I have had this card about 2 yrs haven't missed a payment with XXXX dollar limit I have paid them overXXXX I even stop using the card to make payments yet I have a XXXX balance to use

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : TRANSUNION 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

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 2025-11-03 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: IN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
They consistently charge me interest charges 3 times every month on my AA Advantage, Barclays Bank credit card. They claim that I transferred my old balance to a new card and they keep charging me for the old balance. This should be illegal. I am sending {$430.00} per month, and the interest alone is {$280.00}. 
They charged me on XX/XX/2025 {$180.00}, then again XX/XX/2025 {$98.00}, and again XXXX XXXX for XXXX cents. They should not be allowed to do this. I merely had an account with them for a low balance interest, then they said the deal finished and they set me up with a new account with higher rates ... and now they are charging me XXXX  times every month.... I am only paying off {$150.00} a month while paying {$430.00}... 
This should be a crime.

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 2025-11-03 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: NY

Complaint narrative:
In XX/XX/year>, I was charged {$81.00} by XXXX XXXX at XXXXXXXX XXXX XXXX XXXX ( XXXX ) for what they described as a luggage fee. I am disputing this charge because I was traveling on a XXXX-issued ticket ( confirmation XXXX ) that already included one standard carry-on bag at no additional cost. I did not have any checked baggage. 

At the XXXX XXXX XXXX, I was told I could not board unless I paid this additional luggage fee. I paid under pressure so I could board my return flight to New York. On my outbound flight from New York to XXXX with the same ticket and fare class, I was not charged any luggage fee, so the return-leg charge was inconsistent and unexpected. 

I opened a billing dispute with Citi ( Dispute ID XXXX ) explaining that the fee was improper and not consistent with the fare conditions. Citi first requested more documents, which I providedincluding my XXXX ticket, fare rules, and evidence that no fee was charged on the outbound flight. Citi then closed the case stating my correspondence was conflicting, claiming I had said the charge was unauthorized, even though I clearly stated that the charge was authorized but improperly assessed under duress.

I am requesting CFPBs assistance in having Citi review this dispute correctly as a billing dispute for an improper charge, not a fraud dispute. I believe the bank mishandled my claim by focusing on a technical classification error instead of reviewing the merits of the case and the evidence I provided. I am seeking reversal of the {$81.00} charge and a fair review of the documentation.

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