vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, Citi closed all of my credit card accounts that earned ThankYou Points, including my oldest Citi card opened in XXXX when I first came to the U.S. Citi did this without any prior notice, and I only discovered today that all of my accounts were closed and approximately XXXX ThankYou Points were forfeited. 

I later received a letter stating that the closure was due to misuse, but Citi never explained which transactions were considered misuse. Importantly, my XXXX card had been rarely used and had no unusual activity, yet Citi still closed it. 

This action has caused significant and disproportionate harm : Closing my XXXX card directly damaged my credit history, as it was my first and longest-standing account. Removing this account reduces my average age of accounts and shortens my credit history, which will negatively impact my XXXX score for years to come. 

I accumulated only XXXX points over more than 13 years, which clearly reflects normal everyday usage, not abuse. 

By forfeiting all points without notice, Citi deprived me of any chance to redeem or transfer them as normally allowed under the program rules.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My information was in data leak by XXXX credit bureau and i filed a identity theft report and sent in certified mail of me not doing inquiries on multiple car loans also FTC report, CFPB complaint, 605B letter they said it would take 30 days i sent report on XX/XX/XXXX next day air first representative didnt find second said they found it and documented it on the XXXX they have been on my credit report since XXXX without my knowledge

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 2025-08-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding unauthorized credit inquiries appearing on my credit report.

Specifically, there are inquiries that I did not authorize or grant written consent for, which are negatively affecting my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), a credit reporting agency is required to ensure that inquiries only appear on a consumers file when the consumer has given proper authorization or initiated a permissible purpose.

The inquiries in question were not authorized by me and therefore represent a violation of the FCRA. I am requesting : Immediate removal of all unauthorized inquiries from my credit file.

Written confirmation once the inquiries have been deleted.

Verification that only properly authorized inquiries remain on my report.

I am asserting my rights under the FCRA and expect these inaccurate inquiries to be removed within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I currently had a mortgage with XXXX XXXX XXXX. Original mortgage was for {$130000.00}. My first payment was XX/XX/XXXX for {$1100.00}. 
That payment posted on XX/XX/year> Prior to that on XX/XX/XXXX, I made a additional payment for principle of {$1000.00} On XX/XX/XXXX, I made an additional principal plan payment of {$20000.00}. 
I had received my statement after those three payments were applied, which bought the balance down to {$110000.00}. 
My mortgage was transferred from XXXX financial to new Rez, when they transferred the mortgage, they didnt transfer the current balance instead they transferred over a balance of {$130.00}, XXXX. 
My next payment I made my XX/XX/XXXX payment of {$1100.00} to new Rez the current mortgage provider. 
I have been in correspondence back-and-forth, phone calls to both Mortgage parties to apply the {$21000.00} to principalpayment that I made on XX/XX/XXXX and XX/XX/XXXX. finally on XX/XX/XXXX they found the money and applied it, but instead of applying {$21000.00} they applied {$42000.00} minus my XXXX payment. They reversedthat reverse the payment then finally applied the {$21000.00} minus the XXXX payment this thing is such a mess that I have to sit down with someone to explain it. 
XXXX held my {$21000.00} until the end of XXXX before they sent it over to the new mortgage company without any interest reduction .I would like to try to attached supporting documents. This thing is such a disaster, that it is causing me much much stress, I dont know where else to turn. This is so wrong what theyre doing, and no one is taking responsibility.can anyone help?

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
They let {$1600.00} get withdrawn from my account. 

XX/XX/year>, XXXX, XXXX were the dates. 

The bank refuses to reimburse me for this. Yet they approved a smaller amount. They divided my dispute into two separate ones. They approved one, and denied the larger amount. This seems to be an act of fraud on my end. It is Chime, financial company of XXXX bank. They are participating in fraudulent activity. 

The problem I have is they approved a dispure from strike crypto for {$280.00}, but denied the larger charge. They should have had this all in one dispute, but they split into 2 to lessen what they had to pay back. Chime is commiting blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
I am filing this complaint against GLA Collections for continuing to report a derogatory account on my credit profile without validating the information or responding to a lawful dispute. 

On or around XX/XX/year>, I mailed formal dispute letters to XXXX, XXXX, and XXXX  regarding this account. GLA Collections has failed to validate the debt or provide any written response. This delay violates multiple sections of the Fair Credit Reporting Act, including : -15 U.S.C. 1681i Reinvestigation of Disputed Information -15 U.S.C. 1681g Full Disclosure of Information in File -15 U.S.C. 1681s-2 Furnisher 's Responsibility to Report Accurate Information Even more concerning : I did not authorize this company to possess or report any of my personal information. I never signed any contract, agreement, or document allowing GLA Collections to access, report, or collect on this account. 

I am demanding to know : Who gave them my personal information How they obtained it Where is the wet signature that proves I agreed to this relationship If they can not produce this, they are in direct violation of my consumer rights and privacy protections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Several time i try to fix this problem, with more than tree months with the funds on hold and my account frozen with out a certain answer. 

The person who suppose be in changer of the case never give me a date or solution for this situation. 

I make the favor to deposit the checks in my account because they be part of my family showing all the necessary proof to validate the deposits are legit and they never give a direct answer, just say need to wait, also they send me letters saying dates to releases the funds and never make it. For tree time doing the same with more and more time. 

We call the IRS because they be the institutions who made the checks and they say the bank already have the funds, they send us the proof of the deposit to know the funs already be in the account and need to talk to the bank to solve that. 

I have a dificulte situation with the person who own this money because they need a answer or his money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: PA

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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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: MN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial
institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a
n account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payment
s, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a )
( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
Company sent my account to collections before 180 days. Called and paid account in full on XXXX, account never would have been charged off if they reported accurately. I have tried consistently the last 2 weeks to get a paid in full letter/receipt. They claim they have sent it but they have not and they started hanging up on me when I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I requested to put my credit card into a settlement instead of going into delinquent status. They have put it on my credit report without calling me, without a follow up, nor me receiving any mail. I want this off of my credit report and to see if a settlement can occur. I'll call tomorrow to put in my application for it. I was told that I had to wait to apply in which I've done. This needs to be removed off my credit report as I'm trying to settle so I don't continue to get behind due to high interest rates.

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 2025-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OR

Complaint narrative:
I am purchasing a home in Oregon with an original contractual closing date of XX/XX/year>. My lender, Mortgage Solutions Financial ( MSF ), issued a Clear to Close on XX/XX/year> and I signed my Closing Disclosure on XX/XX/year>. This satisfied the federal TRID 3-business-day waiting period, meaning the earliest possible closing date was XX/XX/year>. 

Despite this, the lender has repeatedly delayed closing for internal reasons, with no regulatory or contractual justification provided. This is now the third requested extension since my original closing date, and the first requested extension after Clear to Close. The repeated delays are causing significant harm, including potential loss of the property, additional housing costs, and disruption to my moving plans. 

I am requesting the CFPB to investigate this lenders handling of my loan, specifically why the loan has not been funded or closed after Clear to Close and CD signing, and to ensure that the lender is held accountable for any unnecessary and harmful delays. I am also requesting assistance in obtaining reimbursement for costs incurred due to these delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: NV

Complaint narrative:
Took out a loan for {$50.00}, which I did not pay back due to financial hardship, its been XXXX plus days and when I looked at loan I now owe {$1000.00} plus due to returned fees, I contacted advance finance to stop Ach payments and was told they can not stop it. I can not afford those fees but they will not cancel the Ach payment that will accrue more fees because there isnt any funds on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
Submitting updated FTC reports for Equifax and TransUnion. Equifax said that my ftc reports were invalid because I submitted two with the same report number. This time I submitted two with different report numbers and I expect that these items will be removed from both profiles within the next four days. Thank you

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