vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir And Madam please, this company didn't wan na resolve this problem i keep calling them and emailing explain to them them i opened my business in XXXX  i get some electronic machines and printer and vacuum cost around {$1600.00} by XXXX credit card and at some year i get injured by accident in other job by doing XXXX surgeries, i report that to Citibank and XXXX by calls and emails the doctors proofs reporting my accident by not sending me to the collection agency because as Im not working from XX/XX/year> but they sent me to and i still... 
in XXXX  months ago i steal with them for {$1000.00} after many calls that settlement i did with no income to be paying XXXX dollars monthly, after around XXXX year of payment i called to pay XXXX XXXX XXXX who squeezed me for good they keep my credit dirty for all this time trying to pay all my problems as you see a steal also with XXXX bank and XXXX still on the court they charge me XXXX in total by frauding me in first day by asking me to proof of the settlement letter that they steal with me, what is that? i cant have rent store to run my business as my credit is law im working long time on it but this company keep me dirty many years the time i need the credit card with no income in shelter whit no life.. 
i keep complaint to the Citibank they refund me {$10.00} to confirm the clarity of the situation .. after i told them im going to the court

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 2025-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
The servicer did not process several auto payments, resulting in increased fees and interest for the following agreed-upon months. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On multiple occasions, I have contacted the company with promises to process payments, and payments were never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
The XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported by Equifax, reflects late payment entries that appear to violate federal billing standards. Under 15 U.S.C. 1666b, creditors are required to credit payments received on or before the due date promptly and are prohibited from treating such payments as late. Furthermore, in accordance with 12 C.F.R. 1026.13, once a billing dispute has been submitted, the consumer is entitled to protection from additional negative reporting related to the disputed charges until a reasonable investigation has been completed. Therefore, I am disputing the accuracy and legality of these late payment notations and requesting their immediate review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
Under FCRA 611 ( 15U.S.C.1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX  reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within that time frame, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was notified of XXXX hard inquiries on my credit report that I did not authorize. XXXX of them was from Capitol One ( XX/XX/XXXX ) and XXXX from XXXX XXXX ( XX/XX/XXXX ). I do not recognize these and am disputing them now. I am worried somebody has my identity. Recently I have had cards used that I have had to cancel and phone calls from unknown sources. Im looking to resolve as this issues is deepening since someone has access to my personal information enough to generate a hard inquiry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
Im following up yet again about the fraudulent items that continue to appear on my credit report. Despite multiple attempts to resolve this, Im still dealing with unauthorized entries tied to identity theft. My credit file also lists incorrect personal information, which is likely contributing to these false accounts. I never opened or had any connection to these items. I followed the proper steps, including filing an FTC Identity Theft Report as instructed by Experian and submitting all required documentationyet the fraudulent entries remain.

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 2025-05-25 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: NV

Complaint narrative:
I had put a fraud alert on my credit report, customer services told me to send in identity theft affidavit report and in XXXX days all transactions related to identity theft will be processed and removed, this was done last year XXXX, I have not received no response or an update and since then transunion will not allow me to log into my account to view my credit report or to add an additional fraud alert or feeeze or to check the status of my disputes, they will not allow me to correct or delete any information on my report, I am a victim of identity theft, a victim of crime and a victim of XXXX, they have denied all of my rights I have in the fair credit reporting act, Ive called in spoke to several agent in the fraud department and all they told me was wait 72 hours from a call from a transunion representative and then Ill have access to my credit report, they lied no has called me, I did this XXXX times already. I wan na know why am I being treated like this, I have the rights to know what is in my credit report, I have the right to place a fraud alert or freeze if I am a victim of identity theft, I have a right to dispute inaccurate information in my credit report, XXXX  wont give me access to my transunion credit report, I have filed a claim with identity theft protection and I cant access any information or submit any claim form documents.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This complaint is a follow-up to a previously filed complaint with CFPB regarding Synchrony Bank/CareCredit . 

Although Synchrony claimed in their previous response that my dispute was resolved and a full refund was issued, I just received a letter from them dated XX/XX/year> confirming that my dispute is still open and being reviewed. 

The letter states that theyve placed the disputed balance on hold and are pausing payments and interest while they investigate a process they say could take up to 60 days. This directly contradicts their earlier written statements to the CFPB and suggests the refund or resolution has not actually occurred. 

In addition : Their internal system still shows I owe over {$4300.00}, Their automated phone system confirms the dispute is open, And their credit reporting shows a {$0.00} balance, which conflicts with the active dispute. 

Im requesting : Clarification on whether the full refund has been applied, A complete and accurate breakdown of my current account status, And assurance that no derogatory or settlement status will be added to my credit reports. 

Im concerned Synchrony is attempting to resolve this case on paper without properly applying or documenting the outcome. I ask that the CFPB continue to investigate and require Synchrony to resolve this transparently.

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 2025-05-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have requested multiple times that both these accounts and inquiries be investigated, and removed from my account for reason of improper use of my credit report by manipulating my Fair Credit Report Act rights for months on end. I also request any of inquiries, hard or soft be removed from my report as well.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I placed two separate XXXX orders. The first was paid with a gift card and went through normallyI got an email confirmation, it showed in the app, and I received my order. The second order, placed shortly after at XXXXXXXX XXXX was paid with my Cash App card for {$15.00}. This order was charged to my account, but : It never showed up in the XXXX app I never received a confirmation email And I never received the food When I went to the XXXX store, they confirmed they never received the order. I also contacted XXXX support, and they told me they did not process the charge on their end. They said if the money was still being held, it should return in 710 days. It never did. I filed a dispute with Cash App, and despite submitting proof of the charge, text confirmations from XXXX, and evidence the order never existed, Cash App denied my dispute, claiming the merchant fulfilled the order. This is completely false. 
I have : A screenshot of the charge for {$15.00} A screenshot of the only order that showed in the app ( for {$8.00} ) Text messages from XXXX confirming the second order was not processed I am asking for a full refund of {$15.00}, since I never received the goods and the denial of my dispute was done unfairly despite all proof provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: AZ

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion requesting the immediate deletion or blocking of multiple negative accounts currently appearing on my credit reports. These accounts include charge-offs, collections, closed accounts with inaccurate utilization, and authorized user/joint accounts for which I am not legally or contractually responsible. 

In each letter, I outlined multiple problems including : Inaccurate reporting of closed or paid accounts still showing as delinquent or past due Failure to remove authorized user and co-maker accounts where I have no control or payment responsibility Continued reporting of accounts with late payments, charge-offs, or high utilization despite no supporting documentation Failure to provide Method of Verification for accounts marked as " verified '' I explicitly invoked my rights under the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) to request a reinvestigation 611 ( a ) ( 5 ) requiring deletion of any item not verified 611 ( a ) ( 7 ) demanding the Method of Verification for any verified item 623 ( a ) ( 1 ) prohibiting the reporting of inaccurate or unverifiable information In the case of collection items, also FDCPA 809 requiring debt validation Despite this, many of the disputed items were marked verified without : Providing me with the name of the verifying party Disclosing how the verification was conducted Producing any original signed contract or application In some cases, the accounts remain unchanged even after multiple disputes a clear violation of federal law. These inaccuracies are causing substantial damage to my credit score, affecting my ability to secure housing, lower-interest financing, and business opportunities.

I am requesting that the CFPB investigate all three bureaus, and compel them to : Delete or block any negative account that can not be legally verified Provide documentation showing how verification was performed Remove all authorized user and joint accounts where I am not financially responsible Ensure full compliance with the FCRA within the required timeframe I have attached my original dispute letters, credit reports, and evidence of the unresolved accounts for review. Thank you for assisting in restoring the accuracy and legality of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion requesting the immediate deletion or blocking of multiple negative accounts currently appearing on my credit reports. These accounts include charge-offs, collections, closed accounts with inaccurate utilization, and authorized user/joint accounts for which I am not legally or contractually responsible. 

In each letter, I outlined multiple problems including : Inaccurate reporting of closed or paid accounts still showing as delinquent or past due Failure to remove authorized user and co-maker accounts where I have no control or payment responsibility Continued reporting of accounts with late payments, charge-offs, or high utilization despite no supporting documentation Failure to provide Method of Verification for accounts marked as " verified '' I explicitly invoked my rights under the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) to request a reinvestigation 611 ( a ) ( 5 ) requiring deletion of any item not verified 611 ( a ) ( 7 ) demanding the Method of Verification for any verified item 623 ( a ) ( 1 ) prohibiting the reporting of inaccurate or unverifiable information In the case of collection items, also FDCPA 809 requiring debt validation Despite this, many of the disputed items were marked verified without : Providing me with the name of the verifying party Disclosing how the verification was conducted Producing any original signed contract or application In some cases, the accounts remain unchanged even after multiple disputes a clear violation of federal law. These inaccuracies are causing substantial damage to my credit score, affecting my ability to secure housing, lower-interest financing, and business opportunities.

I am requesting that the CFPB investigate all three bureaus, and compel them to : Delete or block any negative account that can not be legally verified Provide documentation showing how verification was performed Remove all authorized user and joint accounts where I am not financially responsible Ensure full compliance with the FCRA within the required timeframe I have attached my original dispute letters, credit reports, and evidence of the unresolved accounts for review. Thank you for assisting in restoring the accuracy and legality of my credit 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 explanation
Consumer complaint received 2025-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
requesting to block and remove fraud from my consumer report. 

My social security number was compromised I am a victim of data breach /identity theft I contacted the federal trade commission andfiled a FTC report # XXXXwich is attached please block and remove all information from my credit report and send me an updated copy of the credit report under 15 USC 1681c 2c ( a ) the credit reporting agency must remove and block pieces of information the consumer considers identity theft whithin 4 business days of recieving a complaint consisting of the information bellow XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactory will result in a small claims action against your agency I will be seeking damages but not limited to an each violation statutory cost of {$1000.00} each Per U.S.C 1692K :

Company response to consumer: Closed with explanation