vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Mastercard charged me a {$10.00} " cash advance fee '' because i made a {$20.00} purchase on my credit card using XXXX. It was not a cash advance, but they still charged me a " cash advance fee '' which they refused to remove. It's dishonest and unethical to lie about the nature of a purchase and then on top of that, charge a ridiculous fee.

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 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Attempted to contact MOHELA via there online secure message system on several occasions. The web page does nothing upon clicking on the submit button. Called people at XXXX XXXX XXXX as well as people at XXXX discharge on XX/XX/XXXX between XXXXXXXX XXXX XXXXXXXX and was told I needed to contact the MOHELA. XXXX XXXX XXXX indicated that being in XXXX there are no loans to accrue interest. MOHELA 's phone system is almost impossible to be able to be put on hold to talk to someone first. Second the wait times appear intentionally long with minimal help or incorrect information. I want to know : I was approved for XXXX on XX/XX/XXXX with a XXXX year monitoring period. I went online yesterday and noticed my loans were accruing interest. Does interest accrue during the XXXX  monitoring period? Also, why does my account dashboard not acknowledge the XXXX forbearance? Finally, I was lumped into the XXXX plan back in XXXX automatically. It is currently being litigated and was under the impression the forbearance for XXXX plan borrowers did not accrue interest, so why are they accruing interest? Any clarification would be appreciated as studentaid.gov and XXXX discharge both told me to contact my servicer about these inconsistencies/issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Im constantly having problems with someone running a credit check for vehicles and credit cards, I never applied for a loan nor car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My house burnt down in XX/XX/year>. Since then insurance has paid funds in excess of {$410000.00} to rebuild the home. I had to send those funds to NewRez per the law. NewRez has held those funds, some since XX/XX/year>, and refuse any payment giving excuses to pay out to rebuild the home. Their inspector has even said we are 30 % completed. 

In the process of trying to get them to pay me I found that California law requires interest payments to be made to me on funds held in escrow accounts : The California Civil Code states : 2954.8. Payment of Interest to Borrower.

( a ) Every financial institution that makes loans upon the security of real property containing only a one-to-four family residence and located in this state or purchases obligations secured by such property and that receives money in advance for payment of taxes and assessments on the property, for insurance, or for other purposes relating to the property, shall pay interest on the amount so held to the borrower. The interest on such amounts shall be at the rate of at least XXXX percent simple interest per annum. Such interest shall be credited to the borrowers account annually or upon termination of such account, whichever is earlier. 

They ignored my emails and finally told me to call customer service, which I did. After holding for quite some time they said that they do not pay interest and do not need to abide by this California Civil Code. I asked are they simply above the law? To which they replied " yes. '' Meanwhile I am paying them interest on the loan of approximately $ XXXX while they hold $ XXXX. Additionally there should be about $ XXXX more in insurance funds to come to cover more costs discovered through contractors, engineers and architects. 

It seems that if I can not be above the law and have to give them the funds, they should not be above the law. In the meantime, I am running out of time to rebuild and I will have to bare the costs of housing and interest I must pay the contractor as I do not have the funds to continue repairs.

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 2025-04-25 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Our account was fraudulently hacked, leveraging our XXXX information. They were able to gather enough personal information to then open a checking account through Barclays, Delaware. This was all fraudulent activity, but is still being reflected as an inquiry on my credit score.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I ran an Experian credit report and discovered this credit card. It is XXXX XXXX. I called XXXX and reported on XX/XX/year>. I was told to wait 30 days for resolve. Meanwhile the account is still open. A payment was made on XX/XX/year>. I provided as much information as the representative asked for.

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 2025-04-25 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: SC

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$220000.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX Account number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: MA

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 Ive 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 non-monetary relief
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
Experian has been notified that the information they are reporting on my credit report is invalid and they continue to report it. sevearl of my charge account have been paid in full for months and experian is still reporting that there is a balance. I have sent them many notifications that these account are paid in full but they are insisstant in reporting that there is still a balance. PLEASE SEE SCREENSHOTS OF XXXX OF MY ACCOUNTS XXXX THAT IS FULL PAID OFF AND EXPERIAN IS STILL REPORTING A BALANCE AND THE OTHER THAT HAS A MUCH LOWER BALANCE THEN WHT EXPERIAN IS 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 2025-04-25 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: KY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$16000.00} - Late/Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$16000.00} - Late/Closed

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a formal complaint against Experian for failing to provide my full consumer disclosure file and complete dispute history, in direct violation of the Fair Credit Reporting Act ( FCRA 609 ).

I have submitted multiple disputes through Experian regarding serious credit reporting errors, including ongoing re-aging of charge-off accounts reported by XXXX XXXX XXXX  XXXX These disputes were never resolved or removed, despite clear FCRA violations. 

When I contacted Experian to request my full consumer file and dispute record, I was informed that Experian only retains one year of records and could not provide me with the full file or any record of my past disputes. This is a serious and unlawful failure to comply with FCRA obligations.

As a result of Experians actions, I have been denied credit opportunities, forced to use {$10000.00} {$15000.00} of my personal savings to fund my business XXXX XXXX XXXX XXXX XXXX XXXX, and suffered emotional distress, XXXX, and financial instability. 

I am requesting immediate regulatory investigation, full disclosure of my complete consumer file, deletion of all re-aged or unlawfully reported accounts, and financial compensation for damages caused by Experians negligence.

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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
Rent Debt Automated Collections is attempting to collect a Debt for XXXX XXXX a previous landlord. The account was opened XX/XX/XXXX. 

This debt is invalid and has been disputed and Rent debt no longer holds the contract for this debt, they have sold it to another collection agency upon discovery of this misrepresentation by XXXXXXXX XXXX in XXXX of XXXX. 
The Debt should have been removed by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I am receiving robo calls that I have not authorized. I have never received a validation of debt. I have attempted to contact this agency by phone to receive debt validation but can not get to a live person. In the state of XXXX  the 3rd party collection agency must provide the name of creditor, the time place and creation of the debt which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
They asked for bank statements to verify my identity which I provided. then they sent a card and put a hold asking to verify my identity again and asked me to confirm that I filed taxes which I did file and got a tax return, and to sign an XXXX  tax transcript release form, which I signed immediately, then I received my credit card could not register it and received email asking me to log in to read secure messages but could not see it because they did not allow to register for online account, so I called today and they told me they closed my account because they could not locate a tax transcript to verify my identity, despite the fact they already verified me using bank statement, and despite I filled taxes and got a tax return, and got other type of credit card been verified with other credit card company using a bank statement. They gave me run around and wasted too much of my time and wasted hard inquiry and they did that for many friends and they need to be held accountable as they seem they are not giving the truth or system is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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