vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am filing a complaint against Climb Credit for severe mishandling of my account, failure to properly respond to my dispute, providing incorrect and misleading information, and continuing to pressure me with delinquency notices while the matter is under official investigation. 

I notified Climb Credit in writing that my loan is in dispute due to XXXX breach of the Enrollment Agreement and misrepresentation of the job-placementcontingent payment structure. My dispute should have immediately paused collection actions and been escalated to a supervisor. Climb refused to do so. 

Climb instructed me to contact XXXX and request that they process the refund, while XXXX confirmed in writing that Climb is the only party who can initiate a refund or adjustment. These contradictory instructions show that Climb provided false and misleading information about their own process. 

Despite multiple written notices from me, Climb : failed to acknowledge my dispute, failed to escalate the issue to a supervisor, failed to place my account into dispute status, failed to provide accurate or consistent information, and continues to send delinquency and overdue payment notices, which is coercive and inappropriate during an active dispute. 

Climb has ignored every attempt I made to resolve the issue in good faith. They are continuing collection pressure while refusing to perform the basic steps required by consumer-protection and student-loan servicing standards. 

I am asking CFPB to intervene, require Climb to : XXXX. Properly acknowledge the dispute ; XXXX. Place my account in dispute status ; XXXX. Cease all delinquency notices during investigation ; XXXX. Provide a written explanation of their policies ; XXXX. Explain why they provided incorrect refund instructions and refused to engage with XXXX ; XXXX. Conduct a full review of their servicing failures in this case. 

I am attaching all emails from Climb and XXXX demonstrating the conflicting information, refusal to respond, and ongoing pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank secured credit card was suspended on XX/XX/XXXX with a balance of approximately {$390.00}. Because the account was suspended, the mobile app and website would not allow me to make a payment. I called Citibank multiple times, but the representatives confirmed they could not take a payment or adjust the amount. I was told I would receive a revised total so I could pay the balance and close the account in good standing. I never received any updated amount. 

Instead, the account was closed on XX/XX/XXXX without my authorization and without giving me any way to pay it. Citibank later applied my {$200.00} secured deposit on XX/XX/XXXX XXXX days AFTER the account was closed but did not adjust the balance or correct the reporting. 

Citibank has since reported ongoing late payments for months after the account was closed, which is impossible and inaccurate. I was prevented from paying due to Citibanks own system restrictions, but Citibank is reporting this as if I refused to pay. This is a direct violation of the Fair Credit Reporting Act. 

These inaccurate late marks have caused major damage to my XXXX XXXX and directly interfered with my ability to complete business transactions, including a commercial property purchase. 

On XX/XX/XXXX ( approx. XXXX XXXX XXXX ), XXXX Citibank representatives ( ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were unprofessional, talked over me, refused to review my documents, refused to escalate the issue, and hung up on me. Citibanks mishandling and misconduct have made it impossible for me to resolve this. 

I am requesting that Citibank immediately correct the reporting to show the account as : " Paid as agreed '' or " Closed at consumers request never late. '' I also request the removal of all late marks caused by Citibanks errors.

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 2025-11-20 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity bank has reached out to my XXXX mother in law MULTIPLE times now. Trying to reach out to me. They have left messages with her for me. I am not sure how they would have even gotten her info unless obtained illegally. As I have not been married to her son in almost 10 years. I called to ask them not to reach out to anyone besides me on this matter and requested that they send me something in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Self Financial Inc.
State: CA

Complaint narrative:
In an effort to try and find myself housing I had to produce a XXXX XXXX for a potential landlord and as I had no credit history or true knowledge how to see what I had they had linked me to several websites to try and get it, eventually I got to Self Banking and was pressured to pay the {$25.00} to open an account even though it didn't really help and that endeavor fell through. I end up ignoring it thinking I wouldn't have to care about it if I didn't pay anymore into it, and now they're demanding near {$500.00} of late fees and have caused my XXXX XXXX to drop, and no matter how many times I send a dispute through TransUnion I get NO real response or info on what I can do because I REFUSE to give them any money for something I did NOT want to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I emailed my new insurance policy from XXXX for XXXX # XXXX to XXXX. 
On XX/XX/year>, XXXX issued a letter stating that they have not received the proof of hazard insurance. XXXX purchased a hazard insurance at my expense. 
I checked the BMO insurance website : '' www.ihaveinsurace.com/mortgage, and searched my loan on XX/XX/year>. I found that my new insurance policy with XXXX was listed as active on my loan. 
It's clear that XXXX had received my email on XX/XX/year> and placed my new BAMBOO insurance policy on my loan. 
However, XXXX still purchased unilaterally without my permission, a separate insurance policy at my expense. 
My loan account showed a charge of {$280.00} on XX/XX/year>, for the purpose of " hazard insurance disbursement. 
Its clear that XXXX is intentionally forcing mortgage clients to purchase duplicate insurance policy at client 's expense, with the knowledge of existing insurance policy.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went into Chase bank on XX/XX/XXXX and tried to open a checking account, when i gave them my social security number, the lady said it wont let me open an account because i had an account back in XXXX but didnt saying anything. She gave me the XXXX number to call and spoke to a department about the matter. The gentlemen said we will not disclose why or the reason, we cant open an account for you because it is to protect chase bank. That makes no sense if the matter involves me then i have a right to know as well. The gentlemen still wanted to keep the same answer it is to protect chase bank. After that i told him that i will be reporting Chase Bank to the CFPB and request for the information to be released to me since this matter involves myself. I have a right to know and how do i know that they arent letting me open an account based off my gender, ethnicity, XXXX, religion, and etc. If thats the case, then they are profiling people which is against the law and to be fair they are violating Equal Credit Opportunity Act ( ECOA ). So in all they need to release why they wont open an account for me or i will take legal action and will go to social media on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX ( issuer of my XXXX XXXX XXXX ) denied my credit card dispute twice, even though the merchant ( XXXX ) charged fees that were not legally valid under XXXX Department of Transportation regulations. 

What happened On XX/XX/year>, XXXX charged me a total of XXXX CHF ( ~ {$380.00} USD ) for baggage, including XXXX CHF ( ~ {$76.00} USD ) for a carry-on bag on a United-issued ticket XXXX ticket number begins with XXXX ). 

Under XXXX. DOT regulation XXXX CFR 399.87, the marketing carriers baggage rules must apply to all flights in the itinerary. My marketing XXXX was XXXX XXXX, and Uniteds baggage policy clearly allows : XXXX carry-on bag free of charge XXXX personal item free of charge XXXX checked bags free for active-duty XXXX military Despite this XXXX XXXX charged me for XXXX items. 

Merchant evidence showing the fee was improper Before the flight, XXXX sent me an email stating : Check in your carry-on baggage free of charge at the check-in counter or at a bag drop kiosk. 

( Attached : Lufthansa.pdf ) This proves the carry-on fee was improper and not permitted under either XXXX policy or DOT rules. 

Why this is a billing dispute The merchant charged me for something that should not have been charged at all, based on : Federal law ( DOT XXXX ) Uniteds published baggage policy XXXX own written notification stating carry-on was free What I submitted to Elan I XXXX Elan with XXXX DOT regulation documentation My XXXX XXXX ticket XXXX baggage receipt Lufthansas XXXX stating carry-on XXXX free Uniteds partial refund and refusal to correct the remaining fees My written appeal requesting reinvestigation Supporting files showing the charges were unlawful Elans response Elan : Denied my initial dispute, calling it a pricing difference Denied my appeal, claiming I received the services represented by the transaction Did not provide the documentation used in their investigation Did not explain why DOT rules were ignored Did not provide any evidence that the carry-on charge was valid Because of this, Elan failed to conduct a reasonable investigation, XXXX required under the Fair Credit Billing Act. 

What I am requesting I am requesting CFPB assistance to require XXXX to : Reopen my dispute Reverse both improper XXXX charges ( {$200.00} and {$76.00}, total {$280.00} ) Provide documentation of their investigation and explain how they reached their decision Thank you for your attention.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
To Whom It XXXX Concern : I am writing to notify you that I dispute the validity and ownership of the alleged debt you are reporting to the consumer reporting agencies. This letter constitutes a formal request for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2. 
This alleged debt appears on my credit report, yet I have not received any prior written notice or sufficient information to determine whether this debt belongs to me. 
Accordingly, I request that you provide the following required documentation : Required Validation Documents Proof that you are legally authorized to collect this specific debt, including chain of title/assignment from the original creditor. 
A complete payment history, starting with the original creditor, showing how the amount you claim was calculated. 
A copy of the original signed contract or agreement bearing my signature. 
The name and address of the original creditor, as required by 15 U.S.C. 1692g ( a ).

Proof of ownership or transfer of the debt to your agency. 
Itemized breakdown of the alleged balance ( principal, interest, fees ). 
A copy of any judgment, if applicable. 
Your license numbers and registered agent information in my state, showing you are legally permitted to collect here. 
Cease Reporting Until Validation Is Provided Per federal law, you must cease collection efforts and stop reporting this account to any credit bureau until proper validation is provided. 
If you can not validate this debt, you are required to : Immediately delete the account from all credit bureaus, and Notify me in writing that the account has been removed. 
Notice of FCRA Compliance Requirement If you verify or continue reporting inaccurate or unvalidated information to any consumer reporting agency, it will constitute : Willful noncompliance with FCRA 1681n Negligent noncompliance under FCRA 1681o I will not hesitate to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and pursuing legal remedies if necessary. 
XXXX XXXX XXXX FDCPA, you must provide validation within 30 days of receiving this letter. 
Until you comply, all collection activity, including reporting and updating information with credit bureaus, must stop. 
Please send all responses to my address listed above. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer XXXX credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX CreditXXXX XXXX  XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX XXXX, capital XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, consumer portfolio SVC XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XX/XX/XXXX, flagship CRE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, GLOBAL LENDING SERVICE, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) these inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and XXXX FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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