vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Experian is showing medical debt on my report. I filed a dispute with them in reference to the ruling that was passed in XXXX of this year stating that medical debt is to be removed from credit reports. They are refusing to remove it and state that it is allowed to be on my report until 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I had a wreck in a car I had financed with Global lending insured through XXXX and gap insurance with XXXX XXXX. I got the car in XXXX XXXX paid their portion as well as XXXX and they still wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Access to Funds Account of XXXX XXXX To Whom It May Concern, I am writing to express my extreme frustration and urgency regarding the unacceptable situation involving my husband, XXXX XXXX, and his Citibank account. 

My name is XXXX XXXX, and we have been victims of severe financial XXXX  abuse perpetrated by Citibank since my husband deposited his work check on XX/XX/XXXX. XXXX XXXX 

Since that deposit of {>= $1,000,000} at the Citibank branch in XXXX XXXX, Louisiana, we have been systematically denied access to our funds. Citibank has unjustly withheld our money for over a year, profiting from the interest while leaving us in dire financial distress.

Despite numerous visits to the bank, we have encountered nothing but deceitful practices, with repeated claims of " final processing fees '' that have only compounded our suffering.

This ongoing abuse has inflicted severe emotional, spiritual, and physical hardship on both my husband and me. The constant financial strain has led to my husband XXXX XXXX XXXX which is utterly reprehensible.

Additionally, I have faced the most traumatic experiences of my life, including navigating homelessness across multiple states due to Citibank 's refusal to grant us access to our funds.

In the past year and a half, we have endured catastrophic natural disasters and personal hardships, all exacerbated by Citibank 's negligence. The isolation imposed by your institution has kept us apart from our family and loved ones for far too long, which is inexcusable. 

We demand immediate action to rectify this situation and restore our access to our hard-earned funds. 

Citibank must be held accountable for its corrupt practices, particularly towards vulnerable XXXX  citizens like us. This gross financial abuse can not continue unchecked. 

Please treat this matter with the urgency it deserves and respond promptly to both my email and my husbands email below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
In XXXX of XXXX I co signed for my uncle on a Kia XXXXXXXX XXXX year model. We initially applied for a little over XXXX XXXX dollars. We then get approved for that amount. The car is worth XXXX XXXX at the time of the purchase. After the sell I tried to get a copy of the contract for my personal records. It took them two years to finally send me the 59 page contract. Im not sure if they meant to send me the whole 59 pages. In XXXX of XXXX they finally send me a copy, But after reviewing the initial credit app. It showed on the first page instead of being financed for the XXXX XXXX XXXX. They financed me for over XXXX XXXX XXXX. And in my contract it said that if agreed by both parties then it ca. be renegotiated. But they refused to return my call after I called them out on their mistake. I have recordings of them for hours giving me the run around. The finance manager at the dealership said she dont even have 59 pages of the contract in my file so she doesnt know where I got the whole contract from. They then repossess my vehicle because I told them until I talk to someone about the contract Im not giving them anymore money. They said oh well its just a write off for us but we will mess up your credit is the words the representative told me that I also have on recording this has caused great stress In my life I lost my job because they repossessed my vehicle. I have been denied credit because they lied about my payment history. And that is just the beginning.

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 2025-06-21 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: LA

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 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 2025-06-21 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:
EQUIFAX, I am submitting this formal complaint against Equifax for engaging in unethical and unlawful credit reporting practices, including the facilitation of identity theft, the publication of false and unverified data, and the intentional manipulation and lowering of my credit score without legal justification. 

Despite my formal disputes and right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), Equifax has continuously allowed inaccurate, fraudulent, and unauthorized information to appear and remain on my credit file. These actions have resulted in serious financial harm, reputational damage, and emotional distress. 

Intentional and Unlawful Score Manipulation It is clear that Equifax is purposely and illegally lowering my credit scorea violation of federal law and consumer protection statutes. This includes, but is not limited to : Refusing to remove fraudulent accounts and inquiries after receiving proper dispute documentation Allowing known errors to remain on my report, even after being notified Reinserting previously deleted information without proper notification Lowering my credit score through unverifiable data from questionable or unlicensed sources These actions suggest a pattern of intentional sabotage, discrimination, or internal misconductpotentially carried out by individuals within or affiliated with Equifax. I consider this not only a violation of civil law but a matter for criminal investigation.

Federal Criminal Violations Your actions may fall under serious federal offenses, including : 18 U.S. Code 1028 Identity theft and fraudulent use of personal information 18 U.S. Code 1029 Fraud and unauthorized activity with access devices 18 U.S. Code 1343 Wire fraud related to false reporting or intentional misrepresentation Violations of these statutes can carry prison sentences of up to 1520 years. I am actively working with legal counsel and preparing to move forward with civil litigation and criminal prosecution of all individuals involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called my bank twice over several fee charges throughout the year but was only able to refund me {$70.00} out of {$990.00} of fees. I asked for a reconsideration on that amount but was told no they can not do anything about it. 

I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating.... Especially when there are now so many fee-free banks and its been such a tough year! 
Can I get a refund on the {$990.00} from my transactions below? 
XXXX XXXX  - XX/XX/XXXX - {$35.00} XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT - XX/XX/XXXX - {$25.00} OVERDRAFT XXXX - {$98.00} OVERDRAFT - XX/XX/XXXX - {$25.00} XXXX - XX/XX/XXXX - {$35.00} XXXX XXXX  - XX/XX/XXXX - {$35.00} OVERDRAFT XX/XX/XXXX - {$9.00} OVERDRAFT XX/XX/XXXX - {$2.00} OVERDRAFT XX/XX/XXXX - {$25.00} OVERDRAFT XX/XX/XXXX - {$94.00} OVERDRAFT XX/XX/XXXX - {$2.00} OVERDRAFT XX/XX/XXXX - {$7.00} OVERDRAFT XX/XX/XXXX - {$25.00} OVERDRAFT XX/XX/XXXX - {$25.00} OVERDRAFT XX/XX/XXXX - {$92.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CARD XXXX - XX/XX/XXXX - {$8.00} OVERDRAFT XX/XX/XXXX - {$9.00} OVERDRAFT XX/XX/XXXX - {$6.00} OVERDRAFT XX/XX/XXXX - {$22.00} OVERDRAFT XX/XX/XXXX - {$25.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} XXXX FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} Credit Genie XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A XXXX POSTED ON XX/XX/XXXX {$280.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$11.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Roku for XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} LATE FEE - XX/XX/XXXX - {$29.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1.00} Please help reconsidering 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 2025-06-21 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: NV

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2025-06-21 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: NV

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. ]

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 2025-06-21 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: NV

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. ]

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
They closed my truist account for fraud illegal activity which is not true dont rember what I had left

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
What happened : In XXXX, I was approved for a medical deferment on my federal student loans due to XXXX XXXX XXXX and XXXX. According to XXXX 's own paperwork, this deferment should last until 6 months after XXXX ends. The deferment expired without proper notification from XXXX, and I was unaware it had lapsed while focused on my medical treatment. 

XXXX only communicated through their online portal and email, which went to my spam folder. I never received notice via phone or mail that my payments were restarting, despite the severity of the situation and my medical circumstances. 

On Tuesday, XX/XX/XXXX, I discovered XXXX had reported my account as 90 days delinquent to all three credit bureaus, causing my credit score to drop from XXXX to XXXX - a decrease of XXXX points. This discovery came just three days before my mortgage commitment date of Friday, XX/XX/XXXX. Prior to this incident, I had maintained three years of 100 % on-time payments with all my credit accounts.

Actions taken : - I contacted Aidvantage multiple times to dispute the delinquency, explaining the medical circumstances. During these calls, an XXXX agent told me this was " all my own fault ''. 
- XXXX denied my requests and directed me to submit a written dispute by mail. I have mailed my dispute to XXXX, but am unable to get someone to mark my dispute as urgent or get any help over the phone. 
- I provided medical documentation confirming my ongoing treatment - I filed disputes directly with the credit bureaus. To date, XXXX has accepted my dispute and agreed to remove the delinquency. 

The problem : XXXX failed to provide adequate notification of deferment expiration through appropriate channels ( phone/mail ) and refuses to correct the erroneous credit reporting despite having documentation of my approved medical deferment. Their own documentation indicates the deferment should remain active, yet they reported me as delinquent. The timing of this discovery - just three days before my mortgage commitment- has jeopardized my home closing scheduled for XX/XX/XXXX. 

What I want : I need XXXX to immediately contact all three credit bureaus to request removal of the incorrect delinquency report and provide me with documentation of this action for my mortgage lender. The company should also implement better notification procedures for deferment expirations, particularly for borrowers with medical hardships, and provide proper customer service training regarding medical deferment policies. 

This servicer error during a medical crisis has caused severe financial harm and threatens my housing stability despite my perfect payment history.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
What happened : In XXXX, I was approved for a medical deferment on my federal XXXX loans due to XXXX XXXX XXXX and XXXX. According to XXXX 's own paperwork, this deferment should last until 6 months after XXXX ends. The deferment expired without proper notification from XXXX, and I was unaware it had lapsed while focused on my medical treatment. 

XXXX only communicated through their online portal and email, which went to my spam folder. I never received notice via phone or mail that my payments were restarting, despite the severity of the situation and my medical circumstances. 

On Tuesday, XX/XX/XXXX, I discovered XXXX had reported my account as 90 days delinquent to all three credit bureaus, causing my credit score to drop from XXXX to XXXX - a decrease of XXXX points. This discovery came just three days before my mortgage commitment date of Friday, XX/XX/XXXX. Prior to this incident, I had maintained XXXX years of 100 % on-time payments with all my credit accounts. 

Actions taken : - I contacted XXXX multiple times to dispute the delinquency, explaining the medical circumstances. During these calls, an XXXX agent told me this was " all my own fault ''. 
- XXXX denied my requests and directed me to submit a written dispute by mail. I have mailed my dispute to XXXX, but am unable to get someone to mark my dispute as urgent or get any help over the phone. 
- I provided medical documentation confirming my ongoing treatment - I filed disputes directly with the credit bureaus. To date, XXXX  has accepted my dispute and agreed to remove the delinquency. 

The problem : XXXX failed to provide adequate notification of deferment expiration through appropriate channels ( phone/mail ) and refuses to correct the erroneous credit reporting despite having documentation of my approved medical deferment. Their own documentation indicates the deferment should remain active, yet they reported me as delinquent. The timing of this discovery - just three days before my mortgage commitment- has jeopardized my home closing scheduled for XX/XX/XXXX. 

What I want : I need XXXX to immediately contact all three credit bureaus to request removal of the incorrect delinquency report and provide me with documentation of this action for my mortgage lender. The company should also implement better notification procedures for deferment expirations, particularly for borrowers with medical hardships, and provide proper customer service training regarding medical deferment policies. 

This servicer error during a medical crisis has caused severe financial harm and threatens my housing stability despite my perfect payment history.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As of today XX/XX/year> I have a balance of {$42.00} on my Chase " Pay in XXXX '' and have been offered no solution to pay it. I have called Chase an exhaustive amount of times seeking to remedy this. For whatever reason, there is no way to pay this {$42.00} without a Chase bank account. As documented previously in other complaints against Chase, I have lost my Bank Account with Chase due to fraud from an unknown party and negligence on Chases part. I recognize that this {$42.00} is something that I honestly owe. This is something I want to pay before it becomes more of an issue. I have to keep calling to waive my late fee, however no solution to actually pay off the {$42.00} has been given to me. It's only {$42.00}, let 's be done with this already.

Company response to consumer: Closed with explanation