vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed incorrect information reporting to my credit report in which has been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I have discovered unauthorized late payments on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Our account with XXXX XXXX Vacations originated with XXXX XXXX prior to their acquisition. We enrolled in autopay in XX/XX/2019 and have consistently made on-time monthly payments since then. Earlier this year, without receiving any prior notification from XXXX, I was alerted by Experian of a potential negative mark on my credit report. Upon discovering it was due to a past-due balance with XXXX, I immediately contacted them, resolved the outstanding amount, and was informed by XXXX at XXXX that I could file a dispute with Experian. He assured me that XXXX would confirm the account was back in good standing and the negative report could be removed. Although XXXX claims they attempted to contact me, I received no such notification. After nearly XXXX years of perfect payment history, they now refuse to remove the delinquency, stating the reporting was accurateeven though I was never properly informed of the issue. I promptly updated the payment method on file, brought the account current, and have done everything on my part to correct the situation, yet XXXX is unwilling to assist in repairing the damage to my credit.

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 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Horrible company to deal with, they lie and cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-25 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  marked me XXXX XXXX late in XXXX of XXXX. There is obviously a problem in their software because my card was paid in full during the time in question. XXXX XXXX canceled a payment that I had set up with their representative for a later date. Despite this, I still made that scheduled payment within XXXX XXXX of it being due. XXXX XXXX told me that I was charged XXXX cents for interest on my monthly fee, so they rounded that XXXX cents up to a dollar and charged me {$7.00} instead of my monthly fee of {$6.00}. The problem is their software showed I owed {$6.00} so that's what I paid, bringing my balance to {$0.00}. A month later, I was marked as being XXXX XXXX late making my payment and XXXX XXXX XXXX response is I did not pay that {$1.00} the previous month. I sent them screenshots from their app showing that I had a {$0.00} balance with them during the time in question. This level of absurdity could've easily been avoided after I sent them a letter explaining what happened. XXXX XXXX does not seem to care about their loyal customers or reporting accurately on their customers ' reports.

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 2025-07-25 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: IL

Complaint narrative:
XXXX XXXX Bank marked me XXXX XXXX  late in XXXX of 2024. There is obviously a problem in their software because my card was paid in full during the time in question. XXXX XXXX canceled a payment that I had set up with their representative for a later date. Despite this, I still made that scheduled payment within XXXX XXXX of it being due. XXXX XXXX told me that I was charged XXXX cents for interest on my monthly fee, so they rounded that XXXX cents up to a dollar and charged me {$7.00} instead of my monthly fee of {$6.00}. The problem is their software showed I owed {$6.00} so that's what I paid, bringing my balance to {$0.00}. A month later, I was marked as being XXXX XXXX late making my payment and XXXX XXXX XXXX response is I did not pay that {$1.00} the previous month. I sent them screenshots from their app showing that I had a {$0.00} balance with them during the time in question. This level of absurdity could've easily been avoided after I sent them a letter explaining what happened. XXXX XXXX does not seem to care about their loyal customers or reporting accurately on their customers ' reports.

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as 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 2025-07-25 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.

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 non-monetary relief
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am a documented victim of identity theft. Despite sending TransUnion a complete dispute packageincluding my FTC Identity Theft Report ( originally filed on XX/XX/year> and updated XX/XX/year> ), my police report ( dated XX/XX/year> ), a government-issued ID, proof of address, and a final legal

noticeTransUnion continues to report fraudulent accounts that I did not authorize. These accounts have seriously damaged my credit report and include the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for or authorized these accounts. Many were opened during or after my employment at XXXX XXXX XXXX XXXX, where I believe my personal information was compromised. These accounts were disputed properly under FCRA guidelines, and supporting documentation was sent via certified mail with return receipts received. Yet TransUnion has failed to delete or block this false data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
This is over a few years and I just closed the account as I have had enough with them. this is XXXX ethical practice in the Credit Card area. They would hold checks and not cash them in time. I would pay from my bank. XXXX pay XXXX XXXX to them and other banks like XXXX XXXX. Same thing... I did find out Peoples I could change it do E-card pay and was fast to the account. So, people that pay by check and this is cut on the first of the month. they would not cash it until end or next month. they would collect the interest of the account and or give late fees as well. I did call a few times and gave up. it's just faster to just pay it off and get rid of them as fast as I can. that was my main thing. So, Citibank has a pretty good scam going on. and the call in XXXX will hang up on you. some areas you get in a loop and have to go call back in etc. XXXX min just to get to what you need if you can get what you need. I have worked in the banking for XXXX XXXX and XXXX XXXX so I know what areas they are playing in. the XXXX services area for this is just wrong and I am sure that the check payment system is setup to hold them for along time before they put in the system. that way they can say it's the post office etc. It's not the post office. it's them. the funds are cut and sent. the check has a date and the funds are held. example of last payment I did. I cut a check on the XXXX and on the XXXX. XXXX for XXXX then XXXX for XXXX more than my last payment. XXXX?.?? I held off for a week. they never posted. I cut the last bit from my other bank via E-pay. so it was a wire back on the XXXX. XXXX. so today I called in this is the XXXX and the post was to be on the XXXX. they should show that. nope I did not see on the web and did not see in the XXXX. so I called .. got hung up XXXX times. and then got to a person. I asked them... they said yes it's paid off. and I told them to canceled my card. NO MORE. I Canceled both checks as well. Home deport card. Issued by Citibank XXXX. They are dishonest people and I will never use them. they should have an investigation XXXX how much they have solen from people that do pay there bills. I have to day some times about XXXX XXXX XXXX I would forget and yes that was on me. but when you pay and they hold the check to make more money. that is just wrong as I should get all that back just let they get money from non payment on time. I should be paid for payment and they did not pay me for that non side of them. should be fair and would keep them in check. I would lobby this for all XXXX services. keeps both sides on the ball.

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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
FORMAL COMPLAINT REGARDING LOAN # XXXX RE : Systematic Violations of Federal Mortgage Servicing Regulations I am writing to bring to your immediate attention the ongoing and systematic violations of federal mortgage servicing regulations by this institution regarding loan number XXXX. These violations represent a clear pattern of non-compliance with Consumer Financial Protection Bureau guidelines that threatens the unlawful loss of my home. 

SPECIFIC REGULATORY VIOLATIONS Improper Loss Mitigation Manipulation : Your institution recently opened a loss mitigation account, then deliberately closed it citing an unspecified " error. '' This action was strategically timed to ensure I would miss the required XXXX deadline before the scheduled foreclosure sale date. When I attempted to reopen the account with proper documentationwhich I possess and can provideyour institution refused, claiming the XXXX deadline had passed due to your own manufactured closure. 

Systematic XXXX XXXX Violations : Your institution has engaged in dual tracking activities in direct violation of XXXX XXXX XXXX on more than XXXX documented occasions. While foreclosure proceedings remain suspended by court order, your institution continues to pursue foreclosure actions while simultaneously maintaining the pretense of loss mitigation review. This conduct demonstrates a deliberate disregard for federal consumer protection regulations. 

Pattern of XXXX XXXX : The aforementioned incidents represent part of a broader pattern of conduct suggesting your institution operates as though XXXX CFR XXXX does not exist. This systematic approach to circumventing federal protections constitutes a serious breach of your regulatory obligations. 

REQUEST FOR IMMEDIATE ACTION I respectfully demand immediate enforcement of the federal guidelines that your institution has habitually violated. The continuation of these unlawful practices will result in the wrongful loss of my homean outcome that federal regulations are specifically designed to prevent. 

I expect your prompt attention to this matter and immediate corrective action to bring your servicing practices into compliance with applicable federal law. 
I look forward to your swift response and resolution of these serious regulatory violations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I arrived at a XXXX dealership to look at cars. When I decided to purchase a car, I moved the down payment from my savings to my checking ( XXXX ). I then called Citibank to alert them to the purchase I was about to make and increase my daily spending limit. I was informed their systems were down and they could not do anything about it. I then brainstormed with the Citibank associate on ways I could make the full downpayment. Once I began the process of sending my sister part of the money so she could assist, they locked my account. I tried to resolve the issue after being at the dealership for multiple hours, however they kept telling me my phone number wouldn't verify and their systems were still down. I went home without the car. 

This morning I called Citibank and was able to unfreeze my account. The associate I spoke to assured me, on record, that I was " guaranteed '' to be able to make the remaining downpayment of {$3900.00} today. I arrived at the dealership around XXXX am, swiped my card, and was declined again. At this point I have been sitting AT THE DEALERSHIP and calling Citibank for nearly XXXX HOURS trying to resolve this issue and they just keep saying they are " reviewing my account '' and will call me back. 

As I type this, I am stranded at the dealership as I was dropped off by a friend after being " guaranteed '' that I could pay the remaining portion of the down payment. I haven't been able to eat. I have yet to be given a reason why my account needs reviewing after speaking with the associate and verifying the activity. Through all this, at no point has anyone from Citibank reached out to me via email, text, phone, or the app to check in for a " fraud alert ''.

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