vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit 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: IN

Complaint narrative:
I made an online purchase from XXXX XXXX on XX/XX/year>. 
Order number : XXXX. 
The item purchased was the XXXX XXXX XXXX XXXX XXXX in. XXXX XXXX XXXX XXXX. 

XXXX XXXX delivered the wrong item ( XXXX model ) and the package arrived incomplete, missing a major required component that prevents installation. 

I attempted to return the item, but XXXX XXXX incorrectly classified the return as Buyers Remorse, which is false. This is a case of : Wrong product version delivered Missing parts Incomplete XXXX XXXX XXXX then refused the return and blocked the transaction through The Retail Equation ( TRE ), which prevented me from processing the refund. 

I opened a case with XXXX XXXX ( XXXX XXXX ), and they confirmed confusion about the correct model. The item is not compatible with my XXXX mower and is missing parts. 

I paid using my Home Depot Credit Card, and I am requesting CFPB assistance to resolve this issue. 
I am asking for : 1. Correction of the return classification 2. Approval of the return 3. Refund of {$1700.00}, since the product was not as described and arrived incomplete. 



I have attempted to contact XXXX XXXX XXXX XXXX ( email sent XX/XX/year> at XXXX AM ) and have received no response. 

I am requesting CFPB intervention to resolve 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 2025-12-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized account, the breach XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-12-03 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:
Subject : Failure to Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TPD ) Discharge Request for Immediate Correction To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting of my federal student loans, which are currently serviced by the XXXX XXXX XXXX XXXX XXXX  XXXX. I am a 100 % Permanent & Total ( XXXX XXXX XXXX ) XXXX veteran, and I have formally submitted my Total and Permanent XXXX ( XXXX  ) discharge application to the Department of Education for the full discharge of my federal student loans. 

Under federal law, once a veteran with a VA 100 % P & T rating requests loan discharge, the XXXX XXXX XXXX verifies eligibility directly with the VA. Upon approval, all qualifying federal student loans must be discharged and removed from the consumers credit report, and no further collection or negative reporting is permitted. These loans should no longer appear as open, active, or having balances once the discharge is processed. 

Loans Included in the XXXX  Discharge Application These are the loans currently being reported and scheduled for discharge : Subsidized Loan XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX  XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} Total Balance : {$36000.00} Servicer Listed : XXXX XXXX XXXX / XXXX Problem Despite my status as a 100 % P & T XXXX veteran and my recent submission of the XXXX  discharge application, these loans continue to appear on my credit report as active student loan obligations, which is inaccurate and misleading. 

This failure to update my credit report violates the FCRAs requirement that information furnished to consumer reporting agencies be accurate and current. Once the TPD discharge is approved, all qualifying loans must either : Be removed entirely, or Be updated to reflect {$0.00} balance, discharged, and not in repayment status. 

Requested Action I am requesting that the CFPB : Contact the XXXX XXXX XXXX XXXX XXXX to ensure my XXXX  discharge is processed without delay. 

Require the servicer to update or remove all related student loan tradelines across the credit bureaus once discharge is completed. 

Ensure that no negative payment information is reported while my discharge is pending. 

Ensure timely and accurate correction of all student loan information on my XXXX XXXX XXXX XXXX reports in accordance with the FCRA. 

I appreciate your assistance in ensuring that my rights as a XXXX veteran are honored and that my credit report accurately reflects the discharge of these federal student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Failure to Update XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discharge Request for Immediate Correction To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting of my federal student loans, which are currently serviced by the U.S. Department of Education XXXX XXXX. I am a XX/XX/XXXXXXXX XXXX ) XXXX veteran, and I have formally submitted my XX/XX/XXXX discharge application to the Department of Education for the full discharge of my federal student loans. 

Under federal law, once a veteran with a VA XX/XX/XXXX rating requests loan discharge, the Department of Education verifies eligibility directly with the VA. Upon approval, all qualifying federal student loans must be discharged and removed from the consumers credit report, and no further collection or negative reporting is permitted. These loans should no longer appear as open, active, or having balances once the discharge is processed. 

Loans Included in the XX/XX/XXXXDischarge Application These are the loans currently being reported and scheduled for discharge : SubsidizedXX/XX/1800XX/XX/2300 {$1400.00} Total Balance : {$36000.00} Servicer Listed : Dept of ED / XXXX Problem Despite my status as aXX/XX/XXXXXXXX veteran and my recent submission of theXX/XX/XXXX discharge application, these loans continue to appear on my credit report as active student loan obligations, which is inaccurate and misleading. 

This failure to update my credit report violates the FCRAs requirement that information furnished to consumer reporting agencies be accurate and current. Once theXX/XX/XXXX discharge is approved, all qualifying loans must either : Be removed entirely, or Be updated to reflect {$0.00} balance, discharged, and not in repayment status. 

Requested Action I am requesting that the CFPB : Contact the Department of Education XXXX XXXX to ensure my XX/XX/XXXXdischarge is processed without delay. 

Require the servicer to update or remove all related student loan tradelines across the credit bureaus once discharge is completed. 

Ensure that no negative payment information is reported while my discharge is pending. 

Ensure timely and accurate correction of all student loan information on myXX/XX/XXXX, and XX/XX/XXXXreports in accordance with the FCRA. 

I appreciate your assistance in ensuring that my rights as a XXXX veteran are honored and that my credit report accurately reflects the discharge of these federal student loans.

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 2025-12-03 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privac
y with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint because the credit bureaus Experian, Equifax, andXX/XX/XXXX have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) 605B and 611.

Nearly one month ago, I submitted a formal identity theft dispute and demand for the deletion and blocking of several fraudulent accounts. I provided all required documentation, including : FTC Identity Theft Report ( filed earlier this year Identity Theft Affidavit Copy of my government ID Proof of address Full supporting evidence confirming the accounts are fraudulent Under FCRA 605B, the credit bureaus are required by law to block and delete fraudulent information within 4 business days after receiving proper identity theft documentation. However, it has now been almost 30 days and none of the credit bureaus have responded or removed the fraudulent accounts. 

The fraudulent accounts still reporting are : XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX I also invoked my rights under FCRA 611 and requested the full Method of Verification, including : How the accounts were verified Who verified them The date and method used The original source of the data The credit bureaus have not provided any method of verification, nor have they removed these identity theft accounts. 

This ongoing failure has caused : Significant emotional distress XX/XX/XXXXFinancial harm and loss of opportunity Ongoing disruption and reputational damage Their refusal to comply with federal law and their lack of response is a direct violation of FCRA 605B and 611.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime acct was logged into by someone else and changed email phone number and log in information when I got the email that my email had been changed I called them asap and while looking at the acct the person who stole the money transferred the money to their acct and they said there is not enough evidence to refund the money and we watched it happen while I was on the phone telling them I did not change the acct info and they had to send me something to show my id and my face on screen but the money was gone while they did all of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am disputing the reporting of a Barclays/GAP credit card account ending in XXXX that is appearing on my credit reports with multiple serious inaccuracies. I requested verification from the company and from the credit bureaus, but I was not provided any documentation to prove this account is mine. 

Barclays did not provide the original application, signature, account opening records, billing statements, or any documents used to verify the account. Instead, they sent a generic response stating the account is accurate without providing proof. This is a violation of FCRA 611 and 623 because the furnisher must provide complete verification when requested. 

There are also major factual errors in how the account is being reported : XX/XX/XXXXis reporting a Date of First Delinquency of XX/XX/XXXX, even though the account was not opened until XX/XX/XXXX. This is impossible and violates FCRA accuracy requirements. 

XX/XX/XXXX is reporting future dates ( such as Balance Updated : XX/XX/XXXX ), which are inaccurate and inconsistent. 

The account status, dates, and balances are different on all three credit bureaus, showing inconsistent and unreliable reporting. 

Barclays failed to properly investigate my dispute and failed to provide any evidence that I opened or authorized this account. 

I am requesting that CFPB require Barclays to provide full verification of this account, including the signed application and account-opening documents. If they can not provide this, I am requesting that this account be deleted from all three credit bureaus due to inaccurate, inconsistent, and unverifiable reporting under FCRA 607 ( b ) and 611 ( a ).

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 2025-12-03 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover failed to conduct a reasonable investigation of my credit card disputes, as required under the Fair Credit Billing Act ( FCBA ) and Regulation Z. I disputed five {$15.00} charges from XXXX XXXX XXXX as unlawful mandatory fees that violate XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX, and the federal No Surprises Act. These laws prohibit in-network providers from adding fees outside the insurers contracted rate. 

I submitted a detailed continuation request explaining the legal basis for the dispute, but Discover closed the case using a generic form letter without addressing any of the evidence I provided. When I called, the Billings Supervisor informed me that : Discover does not consider legality, They relied solely on the merchants Financial Agreement, They did not evaluate the laws or arguments I submitted, and The form letter is the only documentation available. 

This confirms Discover did not : Review the evidence I submitted, Evaluate the legal prohibitions on this fee, Provide the documentation used in its decision, or Provide the explanation required under the FCBA and Regulation Z.

I am requesting CFPB assistance to ensure Discover : 1. Conducts a reasonable investigation, 2. Provides all documentation used in its decision, and 3. Issues a written explanation of its rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CIBC BANCORP USA INC.
State: IL

Complaint narrative:
Today was supposed to be my closing date for the XXXXXX/XX/XXXXI am purchasing. 

CIBC bank is improperly interfering with a contractually negotiated tax proration between the seller and myself. The parties agreed in writing to a high tax credit which is common in XXXX XXXX especially after the tax bills just TRIPLED the property taxes as of XX/XX/XXXX. CIBC received the tax prorations on XX/XX/XXXX. An underwriter is halting my closing because they believe the proration is " excessive ''. This is an overreach and a form of discrimination. They are attempting to dictate terms of a real estate contract, a role they don't have underXX/XX/XXXX law. 

This is causing me financial harm as I have to stay longer in my apartment and pay prorated rent every day. CIBC is attempting to force the parties to change our contract even though : - tax prorations are not a lender credit - They are not a seller concession - They do not impact closing costs or violate lending thresholds The bank 's refusal is causing delays in closing, risk of contract default, monetary loss to the buyer, and emotional and transactional distress. Their actions are unfair and abusive under federal law, as the bank is injecting itself into a private contractual negotiation where it has no legal authority. 

This could violate several laws or regulations : - Unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C 5531 - Inference with contractual performance - Potential misapplication of RESPA guidelines- Potential violation of XXXX seller credit standards due to misclassification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
On XX/XX/year>, I sent a {$2300.00} money transfer to XXXX through Western Union. Western Unions receipt stated that the funds would be available by XX/XX/year>, and delivered to the receivers bank account by XX/XX/year>. However, on XX/XX/year>, I was notified that the receiver did not receive any funds. On XX/XX/XXXX, the receivers bank issued an official bank statement confirming that the transfer was never received or posted. 

Despite having clear proof from the receiving bank, Western Union repeatedly told me that the receiving bank already has the money. This is false and contradicts the documented bank statement. Between XX/XX/XXXX and XX/XX/XXXX, I called Western Union more than ten times. Every representative gave me the same scripted response : that the case would be escalated, but I never received any updates, clear answers, or solutions. I requested a refund multiple times since Western Union did not complete the service I paid for, but they refused and continued to insist that the funds were received by the bank in XXXX. 

Western Union also instructed me to email XXXX, which I did on XX/XX/XXXX, but I never received a response. On XX/XX/XXXX, Western Union sent me a letter stating that the transfer was not available by the date printed on your receipt because of our anti-money laundering/OFAC/fraud prevention compliance program or similar legal requirements. This explanation directly contradicts what their agents told me and still does not explain where my money is, why the receiving bank did not receive it, or when the situation will be resolved. 

At this point, Western Union has failed to provide the service I paid for, has refused to refund my money, and has given conflicting information with no resolution. I have documentation proving the receivers bank never received the funds, and Western Union has not provided any proof of delivery. I am seeking a full refund of {$2300.00} and a written explanation of what happened to the funds, why the transfer was not completed, and why Western Union continues to deny my refund request despite evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief