vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I had a pre-approval amount XXXX. With no sign up fee or yearly charges got my card today set it up online there a {$250.00} opening charge and $ XXXX  yearly charge i called and ask i don't want credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This mortgage was current when I entered forbearance after Hurricane Ian and is now under a loan modification. It should be reported as current/paying under modification, not past due or 180 days late. 
I entered forbearance after Hurricane Ian in XX/XX/XXXX while my mortgage was current. 
In XXXX the account was still shown as in forbearance/ paying under partial payment agreement/ affected by disaster. 
In XX/XX/XXXX, my XXXX credit report began showing the account as {$34000.00} past due with 180-day late notations. 
My regular modified payment is approximately {$3300.00} per month, which I am making under the loan modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a Citi XXXX XXXX XXXX XXXX XXXX, which has a {$590.00} annual fee. 

My account anniversary occurred in XX/XX/XXXX, and the second-year {$590.00} annual fee was subsequently charged to my account. I paid this fee in full on XX/XX/XXXX. 

On XX/XX/XXXX, well within 30 days of the annual fee being charged, I called Citibank to cancel my account. During the call, the representative offered to downgrade my card to a no-annual-fee Citi XXXX XXXX card XXXX I specifically asked the representative if my {$590.00} annual fee would be refunded if I proceeded with the product change. The representative confirmed that " yes, '' the fee would be refunded. At no point during this conversation was I informed that the refund would be partial or prorated. 

On XX/XX/XXXX, I received a refund of only {$490.00}, leaving a difference of {$99.00} that Citibank has kept. 

On XX/XX/XXXX, I called Citibank to dispute this partial refund. The initial phone agent stated that the system had automatically calculated the prorated amount and they could not do anything about it. I asked to be escalated to a supervisor. After a 30-minute hold, the supervisor also stated that while they would like to refund the full amount, the " system '' would not allow them to do so and that nothing could be done.

I downgraded my card within the standard 30-day grace period after the annual fee was billed, and I was explicitly told the fee would be refunded, without any mention of proration. I believe I am entitled to a full refund of the annual fee as I did not maintain the premium card for the year ahead.

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 2025-09-02 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tesla, Inc.
State: OH

Complaint narrative:
Hello [ Tesla Service Manager / Team ], I need to escalate a concern regarding my recent service visit for my XXXX XXXX. I brought the vehicle in for a squeaking noise coming from the rear end, which I described clearly in my request. Your technician diagnosed it as a front-end issue, stated the rear was fine, and performed work accordingly. 

The noise persisted, and it has since been confirmed that the rear end is indeed the source of the issue. This confirms that the initial repair was unnecessary and the result of an incorrect Tesla diagnosis.

I should not be charged twice for reporting the same issue accurately from the start. I am requesting that Tesla : Cover the cost of the rear repair or Fully credit the amount I paid toward the correct repair.

If this can not be resolved at the service center level, I will have no choice but to escalate this matter further with Tesla corporate and, if necessary, file a consumer protection complaint, as customers should not bear the cost of misdiagnosis. 

I hope we can resolve this promptly and fairly. 

Sincerely, XXXX XXXX XXXX XXXX Invoice Number:XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and improper reinsertion of a repossession into my credit profile by [ Creditors Name ] and/or the involved credit reporting agency .

This repossession account had previously been deleted from my credit report following a dispute, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ). However, it has now been reinserted into my credit file without proper notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires the consumer to be notified within 5 business days of any reinsertion of previously deleted information.

I did not receive any notice from the credit reporting agency or the furnisher, and no new information or certification appears to justify this reinsertion. This is not only a violation of my rights under federal law but also an act of negligent or willful noncompliance with the FCRA, subject to civil liability under Section 616 and 617 of the FCRA.

The reinsertion of this negative account is damaging my credit standing and may be part of a pattern of unlawful credit reporting practices. If this matter is not resolved promptly, I am prepared to pursue legal action against all responsible parties for FCRA violations and seek damages for any harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
I am reporting that I have been a victim of identity theft and to request your assistance in resolving unauthorized credit inquiries that have appeared on my credit reports as a result. 

I discovered these unauthorized inquiries when I received a notification from my credit monitoring service. These inquiries were not authorized by me and are directly related to the identity theft. 

I have already filed an identity theft report with the Federal Trade Commission ( FTC ). A copy of this report is attached for your review.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  From : XXXX XXXX US DEPT OF EDUCATION XXXX XXXX  Regarding : XXXX XXXX  US DEPT OF EDUCATION, Account : # XXXX XXXX XXXX XXXX I am disputing the way US DEPT OF EDUCATION is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by US DEPT OF EDUCATION - The account reported positively for a period of time.

- After I became delinquent, US DEPT OF EDUCATION charged it off and began reporting derogatory information to the credit bureaus.

- I never received a Negative Information Notice.

- I never received an Adverse Action Notice. 
* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 
* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX XXXX my cashapp account was closed without resolution and valid information, I use that account for various of legal reasons and cashapp fail too provide me with valid proof as too why my account was closed.I 've never did anything illegal on the account and I am confused as to why they closed my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-02 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:
I am writing to dispute inaccurate address information appearing on my credit report. The following addresses are not mine and must be removed : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, 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 2025-09-02 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:
I am writing to dispute inaccurate address information appearing on my credit report. The following addresses are not mine and must be removed : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I almost XXXX  at XXXX XXXX XXXX XXXX XXXX  XXXX They refused to due work and kept scamming me for money until a lawyer and the police got involved I had to question everything especially after receiving an email saying they repaired/replaced my shower head and they didn't They didn't seal the windows correctly to the point of coming to the apartment and having ants in the bed that entered through the improperly seal windows I also had to clean my a/c unit because they refused amongst they refused to repair/ replace rusted stove which I still had to get a XXXX XXXX, visit XXXX  and use my own resources less of paper towels which they came in and use my apartment while I worked three different shifts The list of problems goes on which lead me to leave and take losses in the process They literally refused to work at what they get paid for and also when ask to replace the carpet I was told they don't replace it they just shampoo I didn't want to XXXX  in this situation or continually get sick They literally had the audacity to bill me approximately XXXX XXXX and XXXX dollars after all of this and more I also asked for detailed explanation of this bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
I have a Charles Schwab Investor Checking Account as well as a Charles Schwab Brokerage Account. On XXXX  XXXX it started with XXXX transactions being declined and I had more than enough money in my account to fulfill these transactions. I called customer service I was speaking with a representative named XXXX. He had me initiate several more XXXX transactions to see if they would go through in which they didnt. He then asked why was I trying to send money through XXXX XXXX told him I was trying to XXXX my finance bill/mortgage money with it being the end of the month. He said at this point my only other option would be to wire the money and he walked me through that process and verified the wire. I tried to wire {$4400.00} to my finance XXXX XXXX XXXX account to pay our bills. I received an email saying the wire was in progress. He told me the wire should go through before noon the next day XXXX. The next day I I logged into the Charles Schwab XXXX app around XXXX I was able to login just fine I was checking to see if the wire went through it said still processing. Shortly after I received a email saying the wire was cancelled so I tried logging back into the mobile app and my access was denied this was XXXX XXXX  around XXXX. From then until now I have been locked out of my account and I havent received and explanation as to why my account was restricted. I never received and fraud alerts or calls from customer service inquiring about an suspicious activity. I spoke with a escalation manager named XXXX on XXXX he did a public records questionnaire with me to confirm my identity and verified I am the account holder. He said his only line of communication with the department that handles account restrictions is by email only. XXXX XXXX he called around XXXX and said he was messaging with a representative from that department and told them he verified that I am the account holder but they still decided to keep the account restricted over the holiday weekend and its still restricted as of now. I have multiple bills that I am past due on and I just think its very unethical and unprofessional to restrict a customers account without notification of any kind. I will also like to into filing a lawsuit for this matter.

Company response to consumer: Closed with explanation