vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XXXX XXXX : Opened a CD on XX/XX/year> after receiving an email offer of a XXXX term and a rate of 4.30 %. A week later received an email saying Congratulations for opening a XXXX CD at a lower rate. XXXX believe it. Checked my account and it had been changed to XXXX at the lower rate! Contacted them XXXX  times by CHAT and telephone calls. Promised to look into it and call me back. They never did. Called again today, XX/XX/year> and was told that I can close it, reopen another CD but would be penalized! No one understands or will help me. Tried to talk to highest person and was told they were the highest yet could not give me a name of their boss to contact. Said my case was denied and I could pay penalties. I did not open an account to close it! Frustrated to say the least. Someone changed my CD right after I funded it and they know it but wont fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( XXXX  ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( XXXX  ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( XXXX XXXX. XXXX ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX - XXXX - {$660.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I recently tried to refinance for new rate on my home loan and got denied due inaccuracies on my credit report. im also aware that my imformation was exposed in a data break and was used to get accounts and make changes to accounts i have a right to privacys please investigate all accounts written on my letter and delete them from my credit file as soon as XXXX days. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely

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 2025-02-26 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: CITIBANK, N.A.
State: DE

Complaint narrative:
XX/XX/26, ordered XXXX XXXX from bestbuy. Stolen from XXXX. Best buy refused to refund, XXXX admitted fault, Bestbuy still refused to refund. Citi sided with merchant despite a lot of evidence. 
I contacted with best buy communicated with XXXX communicated with best buy again best buy refused to do anything did a chargeback citi sided with best buy reopened the dispute again, with overwhelming evidence citi sided with best buy 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I mailed Portfolio Recovery Associates LLC a letter requesting DEBT VALIDATION per the Texas Finance Code. My records show that Portfolio Recovery Associates LLC received the DEBT VALIDATION letter on Thursday XX/XX/year>XXXX XXXX XXXX. The original correspondence was not a dispute but rather a DEBT XXXX letter pursuant to the Texas Finance Code. They had 15 days to remove the negative account, according to Sec. XXXX ( d ) ( XXXX ) to remove the tradeline from all three credit reporting agencies, including XXXX, XXXX, and XXXX. 

Please be advised that Portfolio Recovery Associates , LLC has violated my consumers rights under Texas Finance Code, and I would seek to resolve this issue in court if this kind of shady business collection practices persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have been a Citi credit card customer since XXXX. For some time, my cards were near their credit limits, and I could only make minimum payments without any reduction to my credit limits. Recently, I made additional payments on both of my Citi credit cards to lower my balances and reduce my monthly payments. However, the day after I made these extra payments, Citi significantly reduced the credit limits on both accounts, bringing my credit utilization ratio back to its previous high level. 

I received a letter from Citi stating : Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your credit limit. Given that my credit reports were not a factor, the timing of this action appears predatory. It suggests that Citi reduced my limits after I demonstrated responsible financial behavior, potentially to maintain high utilization rates and maximize interest charges. If Citi had genuine concerns about my creditworthiness, I believe the limits would have been lowered when my balances were consistently high, not immediately after I made substantial payments. 

This experience has been devastating for me. For a long time, I struggled with high balances and could only afford minimum payments. I worked hard to change that, and when I was finally able to make additional payments, I felt a sense of relieflike I was finally making progress and gaining control over my finances. For the first time in a long while, I wasnt wondering how my family and I would make it through the month. 

Unfortunately, that relief was short-lived. The very next day, Citi reduced my credit limits, wiping out the progress I had made. It felt like the rug was pulled out from under melike I was being punished for doing the right thing. Instead of being encouraged for managing my debt responsibly, I was pushed back to square one. 

This action didnt just affect my credit utilization ; it impacted my confidence and sense of financial security. The timing and nature of Citis decisions feel predatory, as though they intentionally acted to keep me in a vulnerable financial position where they could continue profiting from interest charges. After years of being a customer and working hard to improve my situation, I feel taken advantage of and deeply discouraged.

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 2025-02-26 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:
Hello. 
I started to make payments on XX/XX/XXXX to XXXX. I continued to make payments to XXXX  until XX/XX/XXXX. Mohela was soon changed to my lender after XXXX  discontinued. I started to make payments to mohela in XX/XX/XXXX. I did not see the payments from XXXX  reflect on my balance. I paid around {$5000.00} and emailed them about it not reflecting. They then replied that itll take about 90 days to show, this was XX/XX/XXXX. I then followed up on XX/XX/XXXX and they said Id have to call. Every time I call I have waiting well past 30 minutes and dont have time to do so. I am currently on hold for 5 hours with no assistance on my situation. This is the worst experience with a lender. I am stressed and feel like Im paying into a black hole. I looked up online and many others complained with mohelas customer service and discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over 30 days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.

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 2025-02-26 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: OR

Complaint narrative:
I am reaching out regarding multiple inquiries from your company that have appeared on 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Person information on my Experian account is inaccurate sure as my name it should only be one name on the account. There are different names under id codes : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these are fraudulent codes under unauthorized names PLEASE HAVE THEM CORRECTED

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 2025-02-26 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am reaching out regarding multiple inquiries from your company that have appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and [ XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws. 

I also have a fraudulent account that does not belong to me with XXXX XXXX and it was opened on XX/XX/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 2025-02-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Acccounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$27000.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$5000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$430.00}, XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} . Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: CA

Complaint narrative:
In XX/XX/XXXX, my son, XXXX, made a {$700.00} payment toward my First Progress account from his XXXX account. I saw that the payment had posted, but my available credit remained at XXXX. On XX/XX/XXXX, I called First Progress to inquire about the issue and was instructed to provide proof of payment. I immediately sent a screenshot showing the {$700.00} deduction from my sons XXXX account, as directed. That same evening, my son sent an email from his personal account, which included a signed authorization letter, a copy of his drivers license, and his contact information for any further questions or concerns. 

On XX/XX/XXXX, I followed up for a status update but received no response. I sent another request on XX/XX/XXXX, stating that if I did not receive a case number or update, I would escalate the matter by filing a complaint with the CFPB. Later that day, I finally received a response with a nine-digit case number, XXXX, and was told to call XXXX. However, when I called on XX/XX/XXXX, I was informed that this was not a valid case number. I was then placed on hold for an extended period, seemingly in the hope that I would hang up. After remaining on the line, I eventually spoke with a manager who, instead of resolving the issue, added another requirement, now asking for a full bank statement from my sons XXXX account showing the deductionsomething that had never been mentioned before. 

Each time I have submitted the requested information, First Progress has responded with additional demands instead of resolving the issue. I was also told that a supervisor would call me, but that never happened. When I call, my calls are often disconnected. My account remains restricted, and this situation has not been reflected properly on my XXXX credit report. I am seeking assistance in getting First Progress to properly acknowledge and apply the payment, restore my account access, and ensure my credit report is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

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 2025-02-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have received several notices from Midland Credit Management regarding old debts that they purchased. The letters state that " though your account has been charged off and sold, the underlying promissory obligation remains. As the legal owner of this account we are entitled to repayment. If we dont hear from you or receive payment by XX/XX/year>, we will review your account for further collection activities. '' These debts are over ten years old! I continue to receive calls and these threatening notices for several old debts they purchased from XXXX XXXX  and they are also on my credit reports. This has affected my emotional wellbeing worrying about being sued for a debt I am no longer obligated to and continues to impact my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Received an email notification that a Capital One account with my email address changed phone numbers and then received an approved application for a Capital One XXXX card and that it would be arriving in 7-10 business days. 

I never opened a credit card with Capital One, nor do I have an account or do any banking with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-26 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-02-27 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: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
There was an attempt to open an account with XXXX XXXX. Inquiring about a letter I received informing me I was denied credit witXXXX XXXX XXXX XXXX, I called XXXXXXXX XXXX XXXXl. As of XXXX, I had been sick for 7-10 days due to a XXXX  XXXX. Credit cards were not applied for by me.

Company response to consumer: Closed with explanation