vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITICARDS CBNAs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CITICARDS CBNA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 


CITICARDS CBNA 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 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint as the verified owner of this credit file regarding multiple serious inaccuracies that have remained unresolved despite my previous disputes submitted to Experian, Equifax, and TransUnion, and this now represents my fourth formal attempt to have these issues corrected. The continued presence of these errors demonstrates an ongoing failure by all three bureaus to comply with their legal obligations under federal law, including the requirement to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Specifically, the collection account XXXX XXXX XXXX XXXX with a balance of {$3600.00} continues to appear inaccurately across Experian, Equifax, and TransUnion despite multiple prior disputes, and its continued reporting is misleading, factually incorrect, and in clear violation of FCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or deceptive representations, as well as FDCPA 809 ( 15 U.S.C. 1692g ), which requires proper verification of a debt when requested by the consumer. This account has never been properly validated and should have been permanently removed after my initial dispute, yet all three bureaus continue to report it. Additionally, several inquiries on my TransUnion report remain unauthorized, unverified, and damaging to my credit profile, including XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX and XXXX XXXXXX/XX/year> XXXX which violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) because they were not authorized by me nor supported by any permissible purpose. These unresolved and improperly reported items continue to harm my creditworthiness, financial opportunities, and personal reputation, and despite multiple follow-ups, the bureaus have failed to take corrective action or remove the disputed information as required under federal law. I am therefore requesting regulatory intervention, as it is clear the bureaus are not complying with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or their duty to maintain accurate consumer reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint as the verified owner of this credit file regarding multiple serious inaccuracies that have remained unresolved despite my previous disputes submitted to Experian, Equifax, and TransUnion, and this now represents my fourth formal attempt to have these issues corrected. The continued presence of these errors demonstrates an ongoing failure by all three bureaus to comply with their legal obligations under federal law, including the requirement to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Specifically, the collection account XXXX XXXX XXXX XXXX with a balance of {$3600.00} continues to appear inaccurately across Experian, Equifax, and TransUnion despite multiple prior disputes, and its continued reporting is misleading, factually incorrect, and in clear violation of FCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or deceptive representations, as well as FDCPA 809 ( 15 U.S.C. 1692g ), which requires proper verification of a debt when requested by the consumer. This account has never been properly validated and should have been permanently removed after my initial dispute, yet all three bureaus continue to report it. Additionally, several inquiries on my TransUnion report remain unauthorized, unverified, and damaging to my credit profile, including XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX and XXXX XXXXXX/XX/year> XXXX which violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) because they were not authorized by me nor supported by any permissible purpose. These unresolved and improperly reported items continue to harm my creditworthiness, financial opportunities, and personal reputation, and despite multiple follow-ups, the bureaus have failed to take corrective action or remove the disputed information as required under federal law. I am therefore requesting regulatory intervention, as it is clear the bureaus are not complying with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or their duty to maintain accurate consumer reporting standards.

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 2025-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau Re : Complaint Against XXXX XXXX Navient Private Loan Trust Predatory Private Student Loan Origination and Servicing To Whom It May Concern : I am submitting a formal complaint regarding XXXX private student loans originated in Illinois in XXXX and now serviced by XXXX on behalf of Navient Private Loan Trust. The loans exhibit characteristics of predatory lending, unconscionable interest terms, and improper servicing practices that have resulted in a balance grossly disproportionate to the amount originally borrowed. 

Loan Information : Loan disbursed XX/XX/XXXX Original Principal : {$8400.00} Current Balance : approx. {$14000.00} Variable Interest Rate : 12.43 % Loan disbursed XX/XX/XXXX Original Principal : {$3300.00} Current Balance : approx. {$8600.00} Variable Interest Rate : 13.25 % According to XXXX statements : I have already paid {$17000.00} toward these loans Less than {$3100.00} has been applied toward principal More than {$22000.00} has accrued as interest The remaining balance still totals over {$22000.00}, nearly double the original amount borrowed Despite substantial payments exceeding the total original principal, the debt has not amortized and instead has expanded due to : 1. Excessive variable interest rates that appear unreasonable for a student borrower 2. Aggressive interest capitalization 3. Payment allocation practices which resulted in almost no reduction of principal 4. Possible deficiencies or absence of Truth in Lending Act ( TILA ) disclosures at origination 5. Servicing practices that appear consistent with conduct previously identified in CFPB v. Navient ( XXXX ) and related state AG actions I request that the CFPB require XXXX/Navient to produce : 1. The original signed promissory notes 2. All TILA-required disclosures at origination 3. A complete amortization and interest-capitalization history 4. A forensic servicing review 5. Corrections for any improper interest, capitalization, or servicing errors Given that I have already repaid more than the original principal, and given the interest rates and capitalization practices that have inflated this balance to predatory levels, I am seeking discharge of the remaining balance or, at minimum, removal of all accrued interest and closure of the account as fully satisfied. 

I am requesting the CFPBs review and assistance in resolving what I believe to be an abusive and unlawful loan outcome. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-27 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: NJ

Complaint narrative:
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 XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00}

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 2025-11-27 00:00:00
Product: Mortgage — FHA 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i've been trying to do a modification since 2020 covid and had my tenant pass away which made a financial strain on me. i explained to wells fargo and yes they have given me forbearance during covid and but when i went to pay they denied my payments i asked for modification and wells fargo has gave me the run around since i've given them the same information on my income lots of times for 5 years to get a modification and they have not fix my situation now i had to pay a lawyer XXXX  of dollars just so they can give me modification that's really doesn't work for me at this point when this could have been done the modification years ago. i understand ive missed payments and i can start paying my mortgage but they are not working with me on the modification i have got there offer but considering what they have put me through all these years and wells fargo not handling my modification or any program appropriately im stuck in this offer.

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 2025-11-27 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 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:
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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: 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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under FACTA XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Debt collectors are legally obligated to adhere to 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: PA

Complaint narrative:
XX/XX/year>. Ive been noticing that my credit score before much of my debt was paid off XXXX or more. Was at XXXX. Recently Ive been monitoring it. I have been working on debt and paid off XXXX. Now my credit is XXXX. I called the credit bureau and they said it is automatically calculated. They dont know.

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 2025-11-27 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: PA

Complaint narrative:
XX/XX/year>. Ive been noticing that my credit score before much of my debt was paid off XXXX or more. Was at XXXX. Recently Ive been monitoring it. I have been working on debt and paid off XXXX. Now my credit is XXXX. I called the credit bureau and they said it is automatically calculated. They dont know.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am an existing Citi credit card customer and have been unable to access my account through Citis website or app for more than two months. When I attempt to verify my identity, Citis systems do not recognize my phone number or SSN, making it impossible to view my balance, obtain my statement, or make payments.

I have contacted Citi repeatedly on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each time I was told the issue could not be resolved, that they could not locate my account, or that no assistance could be offered. No escalation was provided and no alternative method of payment or statement access was given.

Despite this, Citi continues to email me as a customer with my name, card type, and last four digits ( Citi Double Cash, cardmember since 2014, ending in XXXX ). This clearly shows the account exists and Citi is actively communicating with me. The problem is a digital access / identity verification failure, not that the account does not exist.

I am acting in good faith and simply want to pay my bill. Citi has prevented me from accessing my account or making timely payments despite repeated attempts.

I am requesting : 1. Immediate restoration of access OR a direct method to obtain my balance and make payments, and 2. Removal of any fees or negative reporting caused by Citis system failure and lack of assistance.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please notify me in writing once your investigation concludes and the account ( s ) have been updated to reflect the corrected status without delinquency.

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