vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
In XX/XX/year>, I contracted with a moving company for an interstate move after they repeatedly assured me that pickup would occur on XX/XX/XXXX and that all work would be performed by their own employees using company-branded trucks, with no subcontractors involved. Based on these promises, I paid a {$1500.00} deposit on XX/XX/year>. The company failed to give the required XXXX pickup notice and repeatedly shifted the pickup window on XX/XX/XXXX and XXXX. Pickup ultimately did not occur until XX/XX/XXXX. When the crew arrived, the entire job was performed by an undisclosed subcontractor, XXXX XXXX, contrary to the promises made at booking. That same day, I was charged {$1300.00} by the subcontractor for pickup. At pickup, they attempted to impose a fabricated {$2700.00} upcharge claiming XXXX extra cubic feet, despite having completed both audio and video inventories and providing a written estimate ; they waived this charge only after pressuring me to verbally agree not to post a negative review. No revised written estimate was ever issued as required by federal rules. Over the two days of delays, I spent about 158 minutes on calls with representatives who gave contradictory information, dismissed concerns, made unprofessional remarks, and at times threatened to end calls. Delivery occurred later the same day, and one item arrived damaged. When I filed a damage claim, the company denied it and then refused to provide the federally required arbitration instructions despite multiple written requests, violating 49 CFR 375.211. I disputed both charges with my credit card issuerthe {$1500.00} deposit obtained through misrepresentation and the {$1300.00} subcontractor charge obtained through delays, coercion, and undisclosed subcontractingbut the issuer denied both disputes without addressing the evidence. I also filed a certified demand letter and complaints with FMCSA and the XXXX, but the company continued refusing to remedy the misrepresentations, delays, coercion, and regulatory violations. Both charges were obtained through deceptive practices and failure to perform the services as promised.

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 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I applied for borrower defense against XXXX XXXX  ( formally, XXXX XXXX XXXX  ) and received my approval letter in XX/XX/year>. I received a letter from nelnet stating that I would be placed in forbearance until my loans were XXXX. On XX/XX/year>, I went on to my nelnet account and it stated my loans were paid in full and that my balance was {$0.00}. On XX/XX/year> I noticed {$1000.00} was taken out of my checking account for my loans. When I went onto my nelnet account my remaining loan balance increased drastically ( from ~ {$70000.00}, before it was " XXXX, '' to {$96000.00} ), and it stated that I am now in a standard repayment plan. I also went on to my FSA account and it now states I have over {$200000.00} as my total balance for my student loans. I have reached out to both nelnet and federal student aid. No one can seem to give me answers as to why one week it states my loans were paid in full ( XXXX for the borrower defense case ) to now having a substantially higher loan amount than just one month prior. No one can seem to explain to me why they withdrew money from my bank account without any warning ( there was no upcoming bill statement on my nelnet account ). And lastly, no one can explain why I am no longer in forbearance and forced onto a standard repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX reporting on my credit inaccurately and I have tried many times to dispute it with no success, they just keep saying it is mine but I have asked them to send me in writing their method for validating this account and I how they are reinvestigating. I want to know where they are getting this information and how are they verifying it is 100 % true and correct. I know they are not investigating because if they were investing they would see they are in error. My rights under 15 usc 1681 2ai are being violated and they have been violating me for years. At this time I am asking the CFPB for help with this matter. The reporting must be 100 % validated and 100 % accurate if not, then it must be deleted.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
They repossessed my vehicle without first providing me with Notice of Default or Right to cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCCs 9-611 and s 9-614 This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation violating the Fair Credit Reporting Act ( 15 U.S. code s 1681s-2 ) I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures 1. Amount after sold was not updated 2. Showing I repoed every month and I didnt

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: FL

Complaint narrative:
I sent a remittance of USD XXXX through the Abound app by times of XXXX on XX/XX/2024. The funds were successfully deducted from my bank account, but the recipient in XXXX has still not received the money. The transaction continues to remain pending/processing in the app with no completion or clear resolution.

I have contacted Abound customer support multiple times regarding this issue, but they have failed to resolve the problem or provide a concrete timeline for completion or refund. This delay is unreasonable and has caused significant financial stress and inconvenience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this follow-up regarding the continued inaccurate reporting of multiple accounts on my Experian, TransUnion, and Equifax credit reports, including 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite my previous two formal disputes, these accounts and personal information continue to appear inaccurately. Under the Fair Credit Reporting Act ( FCRA ) 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), I request that Experian, TransUnion, and Equifax conduct a comprehensive reinvestigation of all items listed, verify each entry with the original furnishers, and ensure that only accurate, complete, and verifiable information remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this follow-up regarding the continued inaccurate reporting of multiple accounts on my Experian, TransUnion, and Equifax credit reports, including 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite my previous two formal disputes, these accounts and personal information continue to appear inaccurately. Under the Fair Credit Reporting Act ( FCRA ) 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), I request that Experian, TransUnion, and Equifax conduct a comprehensive reinvestigation of all items listed, verify each entry with the original furnishers, and ensure that only accurate, complete, and verifiable information remains on my credit file.

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 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
Unauthorized Credit Inquiry Request for Removal and Investigation To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. I believe this inquiry was made without my consent or a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ).

According to this section of the law, a consumer reporting agency may furnish a consumer report only with the consumers written authorization or clear permission. I did not authorize the following party/parties to access my credit file. I did not purchase anything from this company. I am demanding deletions of this. I was unaware of anything concerning to this matter. It is identify fraud. Someone has been using my identity to purchase things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I did not grant permission for this inquiry, it violates my rights under the FCRA. I am requesting that this unauthorized inquiry be removed immediately from my credit file.

I am writing to dispute certain inquiries on my credit report that I believe were accessed without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 US CODE 1692g 15 US CODE 1681e ( b ) Under this section of the FCRA, a consumer reporting agency may furnish a consumer report only with the consumers written instructions or authorization. I did not authorize the following company/companies to pull my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just want to follow up this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, Equifax, and TransUnion that have harmed my creditworthiness and caused ongoing distress. My account with XXXX XXXX XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just want to follow up this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, Equifax, and TransUnion that have harmed my creditworthiness and caused ongoing distress. My account with XXXX XXXX XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized 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 explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a XXXX man who was approached by a young man with a van on XX/XX/year> outside of a grocery store. He said, I noticed scratches on the drivers side of your car and I asked how much and he said I can fix it for {$280.00} in XXXX minutes, I am an autobody expert. I went into the grocery store to shop and when I came out, I saw foam or some substance ( which appeared to be like shaving cream ) on the left side panel of my car ( on the drivers side ). I asked for the invoice, a business card and the credit card receipt. He said he would email them. 
The young man said not to remove the substance for XXXX hours, so I was not able to see the work that was done. ( Later-on, when I removed the foam or substance, the scratches were still there indicating no work had been performed ) If had tried to pay the young man with XXXX credit cards, expecting a charge of {$280.00}. When I got home, I checked my email. There was no invoice or receipt or business card. Instead, there were multiple fraud alerts from XXXX and XXXX. Some were in the amount of {$1000.00} and XXXX was {$2000.00}. My CITI Custom cash had a charge of {$1000.00}, which was an amount I did not authorize and would not have paid to someone who randomly came up to me in a parking lot. I notified Citi that My card was lost or stolen and and the charge from PP * XXXX XXXX XXXX AZ and the charge was unauthorized. Citi cancelled the card and the email said I had {$0.00} liability. Since the scratches were still there, I later went to a professional shop and was told, it would take XXXX days to complete and would require {$510.00} for parts, {$680.00} for body labor for XXXX hours, {$410.00} for paint labor for XXXX hours, and paint supplies for {$270.00} for XXXX hours, and with sales tax of {$56.00}, which came to a total of {$1900.00}. I was defrauded for work Not performed. 
I tried to resolve the unauthorized charges with CITI, since XXXX and tried to obtain the information of the merchant. They gave me XXXX different companies, but they have all been false. They have not been willing to work with me to resolve this fraud. I also hired an attorney to file a small claims action to resolve this issue. I am also planning to meet with an elder law attorney and have filed a police report. I want to notify the Consumer Financial Protection Bureau to obtain help in resolving this issue and of what occurred to protect future consumers dealing with CITI.

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