vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been trying to apply for years for one of your credit cards and even for your most basic card ( secured ) in addition to business ones. Every single time, I just get automatic and immediate declines by the system with no chance for any reconsideration or explanation. This seems like you just have a horrible practice of a system just declining applications for absolutely any arbitrary or insignificant reason, with a process that lacks transparency and support in every way. When I call, I'm treated so horribly each time- your employees, which sound like they're in the US/ not outsourced for the application status and recon departments, literally sound like they hate their jobs and are quasi-yelling, they talk over me, they don't listen, they just treat you like XXXX and make you feel like you mean nothing and you're just bothering them, without any efforts to look into the declines that are not my fault and are system generated. They speak with such a hostile and aggressive tone. Citi does not seem to care about existing relationships either which is surprising for a bank this size. Due to this consistently very poor client experience, I'm reconsidering the entire relationship with Citi on the banking side as well, which I've had for a while now. I am really confused why I have no chances of getting any Citi credit card at all ( even secured when I have the balances on the banking side ) and given you can see I have the most premium high-end credit cards of every major bank in the U.S. without any issues ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) plus Private Banking relationships with the largest bank in the world. I gave Citi many chances to try to see if they could offer something good for me and my business but so far, you don't seem to want my business at all. Additionally, I have concerns of questionable practices due to my last name being in XXXX and perhaps getting easier declines due to being XXXX, which is concerning.

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 2025-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which outlines that a hard inquiry can only be made with a consumers explicit consent or when there is a valid permissible purpose. 

I have reviewed my credit file and identified the following inquiries that I do not recall authorizing : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under federal law, I am requesting that you investigate these inquiries and provide documentation showing proof that I authorized each of them, or evidence that each organization had a permissible purpose for accessing my credit report. 

If you are unable to provide this information, I request that the unauthorized inquiries be removed from my credit file immediately, as they are in violation of the FCRA. 

Please conduct your investigation within the 30-day window required by law and send me written confirmation of the outcome.

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 2025-06-08 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: NJ

Complaint narrative:
On three different occasions someone fraudulently filed three unemployment/family leave claims through New Jersey Department XXXX XXXX and XXXX XXXX XXXX The first claim for temporary XXXX leave date unknown, first family leave claim was XX/XX/XXXX, and the second claim was XX/XX/XXXX. I discovered the fraud the week of XX/XX/XXXX when I attempted to file for XXXX XXXX benefits. I filed a police report on XX/XX/XXXX and submitted an Identity Theft Report via XXXX on XX/XX/XXXX. 

The imposter attempted to collect an unknown amount in benefits. I have incurred harm due to the delay in my real claim and stress from this event. 

I have also attempted inform and report identity theft and fraud with Experian, TransUnion, Equifax and the Social Security Administration as precaution. I was denied access via phone and online disputes and was informed by Transunion via phone via automated service to mail in disputes and reports. I was also denied applying for a new social security number and name correction on ssc and having my documents reviewed by the clerk at the Social Security XXXX in XXXX NJ on XX/XX/XXXX I request that the CFPB review this issue and ensure this activity is permanently corrected and prevent future misuse of my identity. I request that you block the reporting of the fraudulent information within four business days, as mandated by FCRA 605B. Please also notify the furnishers of this information about the block.

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 2025-06-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


-XXXX XXXXXXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
This response is in reference to Complaint XXXX against Credence Resource Management concerning a collection account for {$520.00} allegedly from XXXX. 

Credence has failed to provide sufficient validation of the debt as required under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). The only item provided was a letter from XXXX dated well after the alleged debt was incurred and sent to an address I have not resided at in over 8 years. 

This does not constitute proper debt validation, as it fails to include : A full accounting or breakdown of the debt. 
A copy of any contract or agreement bearing my signature. 
Proof that Credence Resource Management has the legal right to collect this debt. 
Details showing the chain of custody from XXXX to Credence. 

Additionally, reporting this unvalidated debt to credit reporting agencies may be in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), as they can not furnish data without confirming its accuracy. 

Per Title 18 U.S. Code 1341 ( Fraud and Swindles ), knowingly using false or misleading representations in an attempt to collect a debt may also constitute mail fraud or deceptive practices. 

I respectfully request : 1. Full validation of this debt as required by federal law.

2. Immediate removal of this unvalidated debt from all credit reporting agencies until such validation is provided.

3. A formal investigation into this matter for potential FCRA and FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-07 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 unauthorized collection/charge-off accounts on my credit report, and I need you to delete them.

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 2025-06-07 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: TX

Complaint narrative:
I have unauthorized collection/charge-off accounts on my credit report, and I need you to delete them.

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 2025-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the mismanagement and lack of support I received from Sallie Mae in connection with my private student loans, and subsequent legal action taken by XXXX XXXX XXXX, the debt collector who purchased the loans. 

I originally obtained private student loans from Sallie Mae during my XXXX XXXX. After graduating, I enrolled in a doctoral ( graduate ) program and requested a deferment of my loan payments during this time. However, Sallie Mae refused to allow deferment, despite being informed I was a full-time graduate student. 

Throughout this period, I attempted multiple times to work out a payment plan with Sallie Mae, as I had already been paying interest on the loans since I was an XXXX. Despite my efforts and consistent communication, I was told that my payments were not " substantial '' enough, even though I paid what I could and explained my financial hardship. 

Rather than working with me, Sallie Mae continued to harass me with calls and threats. I became overwhelmed and frightened when they indicated I was at risk of default, which ultimately led me to stop making payments, despite my desire to resolve the matter. At no point did they provide a realistic or sustainable repayment solution. 

Eventually, Sallie Mae sold my debt to XXXX XXXX XXXX, and I am now being sued. I want to emphasize that I never received any bill, notice, or statement from XXXX XXXX before being served with legal papers. This lack of communication has left me completely blindsided and under severe stress. 

I make very little income, was unable to secure a job in my field post-graduation, and was facing the economic impact of the COVID-19 pandemic during my repayment period. I believe I have been treated unfairly and that my rights as a borrower have been violated. The lack of transparency, refusal to offer support, and now legal action has left me financially and emotionally devastated. 

I respectfully ask the CFPB to investigate Sallie Maes handling of my student loans and the debt collection practices of XXXX XXXX XXXX. I am seeking relief from this burden and a fair resolution, including a reevaluation of the debt, and ideally dismissal of the lawsuit, as I was never properly notified or given a chance to resolve the matter. 

Thank you for your attention to this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
On XXXXXXXX XXXX XXXX, I received a collection bill from Collection Professionals, Inc XXXX XXXX XXXX XXXX, Ok XXXX. XXXX. 

Recently, our local hospital abruptly closed. And prior to that, I received a phone call from them stating they would give me a 25 % discount on my balance if I paid in full before their closing. I did that and the check cleared. Never received another bill, phone call, mail corresponsence, etc. in regards to anything still owed until I got the bill from XXXX in the mail on XXXX XXXX. 

At that time I reached out with a letter stating what I said above and I asked for proof. They did send me the records but I still had questions and reached out to them again via mail and they never responded. I have kept all paperwork, including the origionally owed bill as well as the date that I paid it. 

On XX/XX/XXXX, after not receiving response from them, I decided to send them another letter along with a note and copies of the voicemails that I had with the hospital about paying off the bill with a 25 % discount. I have still not recieved any word back. The origional bill was for XXXX and I paid XXXX. XXXX is still saying I owe them XXXX. Unfortunately, I can not go back and contact the hospital because they abruptly closed, on short notice and left a mess of things behind for a lot of people. The only thing I have is the origianal receipts and the voicemails offering me the discount if paid in full. Of course the emails are generated by voice and may have some grammar errors, but you could clearly understand what the woman was saying. 

At this point I feel like I am not being taken serious because instead of responding to my legal right to send a complaint, they have ignored it as it has been over a month. My letter stated to stop harrassing me because I have provided documents and copies of voicemails to try to stand my case because I can't call the hospital to help me do it because it is no longer a functioning business. The hospital at the time was XXXX XXXX in XXXX XXXX, IL. My last letter also stated to respond promptly to me with some sort of answers. Crickets ...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Total now {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX These Names and Addresss Are NOT Me or Where I Live. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$11.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$9200.00} These names and addresses are NOT me XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Open Balance {$11000.00} Monthly payment {$350.00} Date opened XX/XX/XXXX XXXX Collection Account Based on TransUnion report from XX/XX/XXXX Due XXXX {$2900.00} Unknown 6 MONTH PAYMENT HISTORY Names incorrect : XXXX, XXXX, XXXX, XXXX XXXX M Addresses incorrect XXXX XXXX XXXX UT XXXX XXXX XXXX UT XXXX Employer Incorrect XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I submitted a formal written request to Systems & Services Technologies , Inc. ( SST ) on XX/XX/year>, via their published customer service email ( XXXX ), regarding my account originally opened through XXXX XXXX and later transferred to SST ( Account # XXXX ). 

My request included : A copy of the original signed loan agreement Truth in Lending Act ( TILA ) disclosures A full amortization schedule Payment application details ( principal vs. interest ) Documentation regarding the loans structural change and transfer from XXXX  to SST As of XX/XX/year> over 30 days later I have received no response or acknowledgment. This violates my rights under TILA and applicable servicing transparency laws. I am requesting the CFPBs assistance in compelling SST to respond and provide the information I am legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
This is a Supervisor Escalation Submission related to prior CFPB Cases : XXXX & XXXX. 

TransUnion continues to report a collection tradeline furnished by XXXX XXXX XXXX which is the result of identity theft. 

All documentation was previously submitted, including : Police Report Incident # XXXX ( XXXX XXXX PD ) FTC IdentityTheft.gov Affidavit Pre-arbitration notice Dispute letters XXXX XXXX XXXX  have already removed this item. TransUnion remains the only bureau furnishing the fraudulent tradeline. XXXX XXXX failed to respond to any verification demands or provide ownership documentation. Reporting violates : FCRA 1681s-2 ( a ) ( 6 ) FCRA 1681e ( b ) FDCPA 1692e ( 8 ) Metro 2 guidelines ties for continued furnishing of fraudulent debt.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main for the XXXX credit card constantly Received calls starting XXXX  XX/XX/year> with 3 calls that day and on XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls XX/XX/year> XXXX calls this will continue to call until I schedule a payment that was only XXXX days late when the calls started and not an issue until then. This is not over 30days missed yet. Also no voice mail has ever been left by them or any thing along the lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CO

Complaint narrative:
I send a few letters to all credit reporting agencies. This company has refused to show me the letter of approval from the Trustee. So now the faci has an open report. All three credit reporting agencies need remove this. Credit first knows they need the letter of approval for new debt. And so the Credit reporting agencies..

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