vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I woke up randomly to my account being closed. As far as Im aware the only thing Ive done with my bank was collect my government benefits, buy groceries, pay bills, and filled a dispute on a few products that were defective.

One product was from XXXX for {$210.00} dollars and when I filled a dispute immediately I asked for a stop payment for the amount. My bank allowed the transaction to occur multiple times which in return caused me to file a few more disputes. I am thinking that Citi Bank is literally using my disputes as a reason to close my account and if they were to succeed I would conveniently lose my deposit bonus that was promised by this company for legitimately depositing {$3000.00}.

These guys are choosing the most ironic time to shut my account down as if its planned as the resolution for my dispute. My bank apparently cant get my funds back and refuses to talk to me. Citi bank is literally known for closing customer accounts out of fear with no proof and if Citi bank succeeds with the account closure I will be put in the worst financial situation imaginable because a bank prematurely cut off my relationship with no warning or conversation and in the middle of a very important dispute that I am having with a company that really sent me a defective product that caught on fire.

I dont want to cause trouble but this whole situation is so traumatic it brought me to tears and destroyed me entirely, if my complaint is not heard or solved, I will kill myself I repeat I will COMMIT SUICIDE, and this is not a joke. This is my only way to defend myself and future customers from predatory practices from banks like Citi, if you randomly cut off a customers funding you randomly destroy their lives without notice.

I refuse to deal with the embarrassment that a random bank account closure can cause, so please save my life. If nothing can be done with my bank account, then no one believes the severity of the damages and that is fine.

I just hope that my suicide will help others by forcing Citi to reconsider their random closures due to suspicions. At least my death will show them that there is a consequence to their choices.

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 2025-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Figure Technologies, Inc
State: IL

Complaint narrative:
Signed HELOC loan with Figure Landing who solded to XXXXXXXX XXXX. 
XXXX wrongly has been collecting my payments since I didn't sign up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I moved out of the mobile home I was leasing to own in XX/XX/year>. The mobile homes were called XXXXXXXX XXXX XXXX XXXX XXXXXXXX homes. I never heard anything from them about anything owed to them. One day I looked at my credit saw a collection from Rent Recovery Solutions. I took XXXXXXXX XXXX XXXXXXXX to small claims court. The judge ruled in my favor. I submitted the court document and my claim was still denied to have this creditor removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
I am submitting this complaint because several creditors continue to report inaccurate or unverified information to all three credit bureaus TransUnion, Equifax, and Experian despite multiple written disputes and requests for validation. 

The creditors XXXX XXXXeXX/XX/XXXX , andXX/XX/XXXX have failed to provide any legitimate documentation or proof of ownership for the accounts in question.

The credit bureaus have responded only with verified or updated notices without providing any supporting documentation, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ).

I am requesting that the CFPB open a formal investigation into these creditors and credit bureaus for failure to comply with federal consumer protection laws and ensure the immediate deletion of any unverifiable accounts.

Supporting documents, including prior dispute letters and bureau responses, are attached.

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 2025-10-28 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: MO

Complaint narrative:
I am submitting this complaint because several creditors continue to report inaccurate or unverified information to all three credit bureaus TransUnion, Equifax, and Experian despite multiple written disputes and requests for validation. 

The creditors XXXX XXXXeXX/XX/XXXX , andXX/XX/XXXX have failed to provide any legitimate documentation or proof of ownership for the accounts in question.

The credit bureaus have responded only with verified or updated notices without providing any supporting documentation, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ).

I am requesting that the CFPB open a formal investigation into these creditors and credit bureaus for failure to comply with federal consumer protection laws and ensure the immediate deletion of any unverifiable accounts.

Supporting documents, including prior dispute letters and bureau responses, are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Callings multiple times daily harassing me. Leaving messages stating they needed to speak with by end of day to prevent further escalation. They have been made well aware of my current financial hardships. Which include my husband having a XXXX and XXXX XXXX failure in XXXX. And him being out of work leaving me solely responsible for finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appeared on my TransUnion credit report.

I did not apply for credit or give permission to the following companies to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not authorized or initiated any credit applications with these companies.

These inquiries were made without my consent and are negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA 604 and 611 ), inquiries not initiated by the consumer must be deleted.

I am requesting that all of the above unauthorized inquiries be removed from my credit report and that I receive written confirmation once they have been deleted.

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 2025-10-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear TransUnion,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from TransUnion. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-10-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I was on a Flex Trial Modification Plan with Mr. Cooper ( Loan XXXX, Property : XXXX XXXX Ct, XXXX XXXX, MI XXXX ). 

I made trial payments on XX/XX/year> and XX/XX/year>, and initiated the third payment on XX/XX/year>, receiving a XX/XX/XXXX confirmation ( # XXXX ). 

Mr. Cooper later claimed the payment posted at XXXX XXXX  EST on XX/XX/XXXX, treating it as late. However, XX/XX/XXXX falls under Daylight Saving Time ( EDT ), and their letter explicitly references EST, creating ambiguity about the true cut-off. I relied on the portals XX/XX/XXXX timestamp when I submitted payment. 

Mr. Cooper defaulted my trial plan, denied the permanent modification, and scheduled a foreclosure sale for XX/XX/year>, refusing to pause despite my timely effort and continuing communication. 

I requested they produce full payment logs, portal server timestamps, and time-zone settings, but have not received those documents. I am asking the CFPB to ensure : 1. The XX/XX/XXXX payment is credited as timely or a good-cause waiver is granted. 
2. A temporary foreclosure hold is issued during reconsideration.

3. I receive the requested documentation ( logs, plan terms, and denial rationale ).

4. An itemized reinstatement quote is provided. 

Mr. Coopers email response came from a non-monitored address, preventing me from replying directly. Im requesting a monitored point of contact or secure-message acknowledgment to complete resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I filled bankruptcy but it was dismissed but it showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally service calling multiple times per day also on Sundays. Advised not to call on Sundays and still got 2 phone calls after that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Account reported to my credit under the name of XXXX is not my account. Its reported under the name of XXXX XXXX XXXX XXXX. It's a business account that does not belongs to me, I am not the owner of that company or have any association with that company. Business account should not report under personal credit. Account listed belongs to a company in XXXX NJ, which is not my address.

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 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received a debt collection letter from Weltman , Weinberg & Reis Co., LPA, referencing an alleged account balance of {$41000.00}, purportedly owed to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 

Weltman, Weinberg & Reis Co., LPA is presenting itself as a licensed collection agency and law firm attempting to collect this alleged balance. However, the information they provided is incomplete, inconsistent, and lacks a legally sufficient validation of the debt as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : They have failed to provide a full accounting and validation showing how the alleged balance was calculated after the vehicles disposition. 

There is no Detailed Calculation of Deficiency Balance, No evidence of a commercially reasonable sale as required under UCC 9-610 and 9-614, adopted in XXXX Statutes Chapter 679 , No proof that the alleged deficiency amount represents a fair market valuation or includes proper offsets ( e.g., GAP coverage, tax adjustments, resale proceeds ). 

They have continued to pursue collection activity without proving that the creditor ( XXXX  ) complied with UCCs commercial reasonableness requirements. 
The sale of the vehicle was done without adequate notice or proof of open-market valuation, and I have not received any documentation confirming compliance with UCC 9-611 ( 3 ) or XXXX  notice requirements. 

There are also unresolved issues regarding my XXXX  state license plate ( XXXX ) which was not returned or handled properly during the vehicle disposition. XXXX  internal correspondence contradicts their legal responsibility for handling out-of-state license plates, and Weltmans letter ignores this material fact, continuing to report and collect on an account that remains under regulatory dispute. 

Their correspondence contains misleading statements, suggesting that I must pay the alleged amount by a fixed deadline to avoid further action, while the debt is under active dispute with the CFPB, the XXXX  Attorney General, and now the XXXX  XXXX XXXX XXXX XXXX. 
This conduct appears to violate 15 U.S.C. 1692e ( 8 ) ( communicating false or misleading credit information ) and FCRA 623 ( a ) ( 3 ) ( failure to report a debt as disputed ). 

No documentation has been provided to demonstrate the complete chain of title, agency authorization, or power of attorney establishing that Weltman , Weinberg & Reis Co., LPA has legal standing to collect on behalf of XXXX. 

Given that Weltman operates under a XXXX  Collection Agency License ( License # XXXX ), they are required to comply with the Florida Consumer Collection Practices Act ( FCCPA, F.S. 559.72 ) and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, F.S. 501.204 ), both of which prohibit misrepresentation, coercive communication, and failure to validate disputed debts.

Company response to consumer: Closed with explanation