vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
b'I am XXXX XXXX \nDOB XXXX XXXX XXXX \nSSN XXXX XXXX XXXX \nMy Phone number is XXXX XXXX XXXX  \nMy Home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI cheked my credit report and saw that there have Fraudulent credit card from Citi bank Opened on XXXX credit limit of $XXXX . Please help me and dispute and remove these fraudulent account from 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 2025-11-02 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: FL

Complaint narrative:
To Whom It May Concern I am writing because I am a victim of identity theft. I discovered that unauthorized accounts were opened in my name, my credit report reflects items I did not authorize. I reported the theft to IdentityTheft.gov, filed a police report I contacted the credit reporting bureau Experian TransUnion and Equifax and requested a freeze, fraud alert, block of the fraudulent items. Describe what you asked them to do and what they did or failed to do.

The items in question are : list the fraudulent accounts, account numbers if known, dates, amounts. These are not mine and I did not authorize them.

I request that the Experian, TransUnion and Equifax correct/remove these items, update my credit report appropriately, and ensure no further new credit can be opened in my name without my authorization.

I would like the CFPB to assist in resolving this matter and to review the handling of my case by the credit reporting agency furnisher of information.

Attached are copies of : My identity theft report and police report letter it was sent the to the credit bureaus Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2025-11-02 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:
To Whom It May Concern I am writing because I am a victim of identity theft. I discovered that unauthorized accounts were opened in my name, my credit report reflects items I did not authorize. I reported the theft to IdentityTheft.gov, filed a police report I contacted the credit reporting bureau Experian TransUnion and Equifax and requested a freeze, fraud alert, block of the fraudulent items. Describe what you asked them to do and what they did or failed to do.

The items in question are : list the fraudulent accounts, account numbers if known, dates, amounts. These are not mine and I did not authorize them.

I request that the Experian, TransUnion and Equifax correct/remove these items, update my credit report appropriately, and ensure no further new credit can be opened in my name without my authorization.

I would like the CFPB to assist in resolving this matter and to review the handling of my case by the credit reporting agency furnisher of information.

Attached are copies of : My identity theft report and police report letter it was sent the to the credit bureaus Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following entities have reported or furnished information that has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under the FCRA : - XXXX XXXX  Account # XXXX - XXXX  Account # XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX ( Account Number Unknown/Withheld ) Pursuant to 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure the maximum possible accuracy of information concerning the consumer. These agencies have failed to do so.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected, and the furnisher must be notified.

Under 15 U.S.C. 1681s-2 ( a ), no furnisher of information shall provide data to a consumer reporting agency if they know or have reasonable cause to believe that such information is inaccurate.

Additionally, 15 U.S.C. 1681b ( a ) ( 1 ) prohibits any person from furnishing consumer information without a permissible purpose as defined by law.

Each of the accounts listed above represents a violation of these provisions. Therefore, I demand that : 1. Any and all inaccurate or unverifiable information related to these accounts be immediately deleted from my consumer report.

2. Written confirmation of these deletions be provided to me within the time allowed by law.

3. Each furnisher and reporting agency cease and desist from any further unauthorized disclosure of my consumer information.

Failure to comply with the above may result in the pursuit of all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of civil legal action for willful noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Date : 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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I made a transfer with western union but they weren't allowing the money to be pick up so I requested a refund and they said they would and after a month nothing happened. Then I started calling and they said to have my bank open a case which they did and credited me the money, but after a month they withdrew the money cause they weren't able to retrieve the funds from western union. Now after 4 months I still haven't received anything after being promised the it would appear within a couple hours. Then its gotten elevated like XXXX times to their superiors but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
Attempted to collect an unfair amount of charges on XX/XX/XXXX and XX/XX/XXXX emails were sent me on the course of those weeks from a collections agency Rozlin Financial Group, Inc ( RFGI ) and from a previous hostel XXXX XXXX, landlord XXXX XXXX stating that I owe {$3700.00}. I lived in for 4 months that will charge rent {$700.00} for bed, paid 2 months and 3 were not paid due to unemployment, pest control, inhabitable conditions like mold, bed bugs on going for all the months living ther with minimal pest control, rats, roaches and harassment from tenants. The company where I leased for some months is now charging me an outrageous amount, while the collections agency doesn't want to comply or understand the situation still attempting to collect even after addressing the issue and despite disputing the amount attempted to collect which I still don't recall his calculations resulting in a inacurrate amount. With no sheriff evicting me or legal process of eviction. We agreed to clean for him in order to pay off the rent yet he is threating a year later for this matter again. 
Below I attached the bedbugs issue and other material like emails with RFGI about the dispute and collections.

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the information that your company is currently reporting to the credit bureaus regarding my Capital One Bank USA account. This account has been paid off in full, yet it continues to appear on my credit report as active or outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
This letter serves as a formal demand for deletion of the inaccurate and duplicate accounts being reported under multiple creditors on my consumer report. These accounts represent the same debt being reported twice, which is deceptive, misleading, and damaging to my credit profile. 
I have no contract with either of these companies, and I do not owe either of them. Continuing to report these items as verified despite the legal and sufficient documentation Ive provided is a willful violation of the Fair Credit Reporting Act ( FCRA ). 
Your reliance on third-party verification systems such as XXXX, E-Oscar, or other data resellers is INVALID AND INACCURATE. 
Such sources do not meet the standard of a lawful or reasonable investigation under 1681s-2 ( b ) and can not be used as a substitute for direct verification with the original creditor. This practice constitutes a SHAM INVESTIGATION and deliberate noncompliance with federal law. 
In light of multiple active lawsuits against credit bureaus and data furnishers for these same deceptive and negligent practicescombined with the data breaches that have compromised consumer identities nationwideyour continued reporting of these accounts is a clear act of willful misconduct. 
These accounts are NOT mine, DUPLICATED, and FALSELY VERIFIED. 
DELETE THEM IMMEDIATELY.

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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/year> I made a deposit for {$35000.00} USD at a key bank branch in XXXX  XXXX. On XX/XX/year>, the funds were made available in my checking account. I made a large payment that day which went through, but later when I went to use my debit card I was declined. Upon investigation, I discovered the funds had been removed from my account and a hold was placed on the check. No portion was made available on the day of deposit, nor the following business day. Because of the removal, my account was drawn into the negatives leaving me to suffer food insecurity, obscene overdraft fees and potential eviction. I have called the customer service XXXX times, and visited XXXX different branches and was told completely different things by each branch/customer service XXXX XXXX I have expressed severity, personally assured the verification of funds and requested alternative solutions such as flex/personal loans only to be wholly denied and left to suffer for over a week. I aim to seek compensation for the week that the funds were held, as well as immediate release of the deposit hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen and an individual logged into my chime and sent themselves {$6000.00} of my savings to themselves. I submitted a claim with chime on XX/XX/XXXX but they did not help. I asked for more information or if there was any additional help they could give me but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
This letter serves as a formal demand for deletion of the inaccurate and duplicate accounts being reported under multiple creditors on my consumer report. These accounts represent the same debt being reported twice, which is deceptive, misleading, and damaging to my credit profile. 
I have no contract with either of these companies, and I do not owe either of them. Continuing to report these items as verified despite the legal and sufficient documentation Ive provided is a willful violation of the Fair Credit Reporting Act ( FCRA ). 
Your reliance on third-party verification systems such as XXXX, E-Oscar, or other data resellers is INVALID AND INACCURATE. 
Such sources do not meet the standard of a lawful or reasonable investigation under 1681s-2 ( b ) and can not be used as a substitute for direct verification with the original creditor. This practice constitutes a SHAM INVESTIGATION and deliberate noncompliance with federal law. 
In light of multiple active lawsuits against credit bureaus and data furnishers for these same deceptive and negligent practicescombined with the data breaches that have compromised consumer identities nationwideyour continued reporting of these accounts is a clear act of willful misconduct. 
These accounts are NOT mine, DUPLICATED, and FALSELY VERIFIED. 
DELETE THEM IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: AR

Complaint narrative:
In XX/XX/year>, after going through a divorce and being hospitalized with a medical condition that left me temporarily out of work, M & T Bank encouraged me to apply for a hardship or loss-mitigation review. I submitted the required information and asked several times for written confirmation that my application was received, but I never received any acknowledgment. 

Each time I spoke with M & T representatives, I was told the review would take about 30 days. After each 30-day period passed, I was told it would take another 30 days. During these calls, representatives specifically instructed me not to make mortgage payments while the hardship review was pending, and that I would receive a decision by XX/XX/year>. 

Despite those instructions, I made a good-faith payment of {$4200.00} in XX/XX/year> to show intent to maintain the loan. At that time I also recieved a demand letter and I called again in late XXXX, then on or around XX/XX/XXXX and XX/XX/year>, and was repeatedly told that no decision had been made and that my file was still under review and in underwriting. On XX/XX/year>, I was told again that no decision had been issued, and that if the hardship request were denied, the loan would go directly into foreclosure next week ( this week ). 

Because of these delays and the instructions to stop payments, I listed the property for sale to try to prevent foreclosure. While the hardship was still being reviewed, M & T ( or its vendor ) falsely classified the property as abandoned, even though utilities were active, the home was maintained, and it was listed for sale. I contacted the property-preservation vendor several times in XX/XX/year> to correct this misinformation. 

On or around XX/XX/year>, I received a letter attempting to modify mortgage-insurance coverage without my consent, apparently based on the false abandonment claim. M & Ts actions have caused financial losses, including late fees, inspection charges, foreclosure costs, and harm to credit. 

These actions appear to violate : 12 C.F.R. 1024.41 ( dual tracking ) moving toward foreclosure while a loss-mitigation application is pending ; 12 C.F.R. 1024.35 ( failure to provide accurate information ) ; and 12 U.S.C. 2605 ( f ) creating borrower harm through mismanagement of servicing obligations. 

Requested resolution : Halt all foreclosure activity while the hardship is properly reviewed. 

Correct the false abandonment designation and withdraw any insurance changes. 

Provide a complete loss-mitigation and servicing record as required by RESPA. 

Reverse improper fees and charges and correct credit reporting. 

Provide damages for losses and pattern-of-practice violations.

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 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH Mortgage Company provided XXXX XXXX ( XXXX ) with XXXX separate payoff statements, both reflecting the same expiration date of XX/XX/2025. The first payoff statement was issued on XX/XX/2025, and was valid through XX/XX/2025 the date on which the property closed. Subsequently, on XX/XX/2025, PHH issued a second payoff statement, also marked as valid through XX/XX/2025, despite the fact that all necessary documents had already been submitted to XXXX based on the original payoff amount. 
Following the closing, PHH demanded an additional payment based on the later payoff statement, even though the transaction had been fully executed in accordance with the original figures provided. It appears that PHH intentionally disregarded the title companys prior requests for accurate and timely payoff information, resulting in the imposition of improper additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
XXXX CARD # XXXXXXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Reinvestigation and Deletion Unauthorized Account Reporting Account in Question : Discover Card Account ending in XXXX XXXXXXXX XXXX  Date Opened : XX/XX/year> To Whom It May Concern, This letter serves as my formal written dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning the unauthorized reporting of the above Discover account appearing on my XXXX  credit file. 

I have never given written consent to Discover Bank, its affiliates, or any third party to furnish, access, or obtain my consumer report or any personal identifying information in relation to this alleged account. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when the consumer has provided written authorization. Because no such authorization exists, the presence of this account represents an unauthorized and impermissible furnishing of information, in violation of my federal rights. 

XXXX, as a national consumer reporting agency, bears the legal duty to ensure the maximum possible accuracy of information reported and to verify disputed data upon notice from the consumer. Therefore, I am demanding that XXXX  : Conduct a complete reinvestigation of this account under 1681i ( a ) ; Provide documentary proof of my written authorization allowing Discover Bank or any entity to obtain or furnish information regarding this account ; and Immediately delete this account if written proof can not be produced within the 30-day period allowed by law. 



Please provide a full written explanation and an updated credit report upon completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation