vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/year> : I filed a complaint with the CFPB ( Case # XXXX for Citi ) XXXX Citibank and XXXX maintained their positions. 7Citi violated the Fair Credit Billing Act by denying a valid dispute for undelivered/stolen merchandise and refusing to provide a refund. 


What happened : I am filing another complaint against Citibank for violating federal law under the Fair Credit Billing Act ( FCBA ) by improperly denying my billing dispute for {$1000.00} charged to my My Best Buy Visa Platinum card on XX/XX/year>, for a purchase made from XXXX XXXX. 

The item was allegedly delivered by the shipping carrier, but it was stolen before I ever took possession. I have video evidence showing the theft and filed a police report immediately. Despite this, Citibank refused to credit the charge, claiming that since the package was delivered, they fulfilled their obligation. This response is legally incorrect and demonstrates a clear disregard for federal consumer protections. 

The FCBA explicitly protects cardholders from being charged for merchandise not received. Courts and the CFPB have confirmed that non-receipt includes situations where the item was stolen before the cardholder had physical possession. I made a timely and proper dispute, but Citibank dismissed it entirely, and their response dated XX/XX/year> reflects negligence, indifference to the law, and predatory banking behavior. 

Additionally, the Office of the Comptroller of the Currency ( OCC ) reviewed my case and referred me directly to the CFPB, acknowledging this matter falls under your jurisdiction. Citis refusal to correct this charge forces consumers like me to pay for merchandise we never receivedthis is unfair, deceptive, and abusive under federal consumer financial protection laws.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-08-01 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: OH

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-01 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:
I am writing to dispute a late payment inaccurately listed on my credit report. I have consistently paid this account on time, and my records confirm that the payment in question was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
CMG Home Loans is holding onto $ XXXX of insurance funds- more than two-thirds the total- when my reconstruction is more than half done. 

We scheduled an inspection with our contractor and a representative of CMG. They were in agreement that the reconstruction was 51 % done. But after, the 51 % was overridden to 15 %. CMG, their outsourced agency XXXX and the outsourced inspector did not communicate the change or the framework behind it. CMG / XXXX will not return calls or provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX IT IS SHOWING XXXX FRAUDULENT ACCOUNTS IN MY CREDIT REPORT. I AM REQUESTING TO REMOVE ABOVE LISTED FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT. XXXX. XXXX XXXX FRAUDULENT ACCOUNT OPENED XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND ALSO FRAUDULENT INQUIRIES FROM 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 2025-08-01 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: NC

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This is a notice to dispute an unauthorized account that has been wrongly reported on my credit file. I have never opened this account and have no knowledge of its existence until recently reviewing 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 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
Several different dates since I started receiving my direct deposit.The company is chime and it's different amounts concerning the spot me and my pay connected to my checking account and qualifying direct deposits and what I've received and what they say I will recieve.Have contacted customer support regularly for several months about the situation only one rep was ever in agreement with me and got me where I was suppose to be only to go right back to the way it was after my next qualifying deposit.Right now I'm paying back my pay more then I'm allowed to borrow because of this deseption.If the amounts only go lower after you've received a higher amount it only puts you with less money then you started with the deposit before.The only explanation I get is it's computer set and they can't change it but the one rep that helped me got it changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I am submitting this complaint against GoodLeap, LLC regarding a solar loan I obtained to finance a solar energy system installed by XXXX XXXX XXXX. 

XXXX provided a XXXX warranty for the installation and maintenance of the system. However, XXXX XXXX has gone out of business, and I am now left with a solar system that is no longer fully functioning. There is no way to access service, warranty support, or repairs. 

Despite this, GoodLeap continues to require full loan payments for a system that does not deliver the promised energy savings and is no longer covered under warranty. I believe this constitutes an unfair and deceptive business practice. The product that I financed is no longer performing as promised, and I am being forced to pay for a system that may now be a liability.

I have attempted to contact GoodLeap to discuss loan forgiveness or modification due to the failure of the system and the installers disappearance, but they have provided no satisfactory options or support. 

I respectfully request that the CFPB review this situation and assist in having GoodLeap : Cancel the loan, OR Substantially modify it to reflect the current non-functional status of the solar system, or Provide a fair resolution for a product that is no longer being serviced as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
This follow up complaint serves as my 4th formal request to address and correct unauthorized reporting on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). Under this provision, no person or entity shall use or obtain a consumer report without a permissible purpose as defined by federal law.

I am once again disputing the continued reporting and/or inquiries related to the following items as they appear to have accessed or reported to my credit file without proper authorization or legal basis : Items to be Removed or Investigated 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received court documents on my front door step regarding a credit card from XXXXXXXX XXXX XXXX under my name, an I never open an account with this store. The account does appear under my credit report, however I was unaware of this account until I was served with court documents. Payments made under the aforementioned account were made towards the account and stopped, leaving with an outstanding balance.

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 2025-08-01 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: PA

Complaint narrative:
I am formally disputing inaccurate late payments being reported on my credit file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late marks are being reported without any proper notice from the creditor regarding upcoming due dates or missed payments. I was never notified when the accounts allegedly became late, which denied me the opportunity to address the situation or make timely payments.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) Information reported must be accurate and complete to the maximum extent possible.

FCRA 1681s2 ( a ) ( 1 ) ( A ) Furnishers must report information fairly and accurately.

FCRA 1681i ( a ) Consumers have the right to dispute any information they believe is inaccurate. If the information can not be verified, it must be removed.

The failure to provide prior notice, and then report these as late, renders the late marks incomplete, misleading, and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX al XXXX Date : XX/XX/XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX Subject : Request for Goodwill Deletion Paid Collection Account # [ Insert Account Number ] Dear National Credit Systems, I am writing regarding the above-referenced account, which has been paid in full and was closed on XX/XX/XXXX. I want to first thank you for the opportunity to resolve this debt. 

At the time the account became delinquent, I was experiencing [ briefly explain any hardship e.g., medical issues, job loss, etc. ], which caused unintentional difficulties in meeting my financial obligations. Since then, I have taken deliberate steps to improve my financial situation and credit profile. 

As the account is now paid and closed, I am kindly requesting a goodwill deletion of this account from my credit report. I understand that accurate information must be reported, but I respectfully ask that you consider removing this paid collection as a gesture of goodwill. 

This removal would greatly assist me as I continue to rebuild and maintain a positive credit history. I appreciate your consideration and thank you in advance for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by the XXXX XXXX XXXX agenciesExperian, Equifax, and TransUnion. 

Recently, three collection accounts were removed from my credit reports. These same accounts caused a drop of over XXXX points when added, but following their removal, my score increased by only XXXX point. This severe disparity in score impact lacks transparency, may be deceptive, and does not reflect a fair or accurate representation of my creditworthiness. 

More critically, I have reason to believe that when I filed disputes, the agencies failed to fulfill their obligations under 15 U.S.C. 1681i ( a ), which requires them to conduct a reasonable reinvestigation of disputed items. From all indications, the disputes were handled via internal review without any meaningful investigation or forwarding of the dispute to the furnishers of information, as required by 1681i ( a ) ( 2 ). This constitutes a denial of my statutory rights under the FCRA.

I am formally requesting the following : 1. A full reinvestigation of the scoring impact of the added and removed collections.

2. Written confirmation that my dispute was forwarded to the furnishers, per 1681i ( a ) ( 2 ), or an admission if it was not. 
XXXX. A recalculation and correction of my credit score based on the proper removal of the three accounts.

4. Financial compensation for the damage done to my credit score, creditworthiness, and any losses incurred as a result of this misinformation.

5. That the CFPB initiate oversight and enforcement action to determine whether the agencies are in compliance with the FCRAs dispute and investigation provisions.

Should the credit bureaus fail to comply, respond adequately, or correct the issues outlined above, I intend to pursue legal action against the credit reporting agencies for violation of federal law, damages sustained, and failure to properly investigate. I am preserving all legal rights, including my right to file a civil lawsuit under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by the XXXX XXXX XXXX agenciesExperian, Equifax, and TransUnion. 

Recently, three collection accounts were removed from my credit reports. These same accounts caused a drop of over XXXX points when added, but following their removal, my score increased by only XXXX point. This severe disparity in score impact lacks transparency, may be deceptive, and does not reflect a fair or accurate representation of my creditworthiness. 

More critically, I have reason to believe that when I filed disputes, the agencies failed to fulfill their obligations under 15 U.S.C. 1681i ( a ), which requires them to conduct a reasonable reinvestigation of disputed items. From all indications, the disputes were handled via internal review without any meaningful investigation or forwarding of the dispute to the furnishers of information, as required by 1681i ( a ) ( 2 ). This constitutes a denial of my statutory rights under the FCRA.

I am formally requesting the following : 1. A full reinvestigation of the scoring impact of the added and removed collections.

2. Written confirmation that my dispute was forwarded to the furnishers, per 1681i ( a ) ( 2 ), or an admission if it was not. 
XXXX. A recalculation and correction of my credit score based on the proper removal of the three accounts.

4. Financial compensation for the damage done to my credit score, creditworthiness, and any losses incurred as a result of this misinformation.

5. That the CFPB initiate oversight and enforcement action to determine whether the agencies are in compliance with the FCRAs dispute and investigation provisions.

Should the credit bureaus fail to comply, respond adequately, or correct the issues outlined above, I intend to pursue legal action against the credit reporting agencies for violation of federal law, damages sustained, and failure to properly investigate. I am preserving all legal rights, including my right to file a civil lawsuit under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA.

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 2025-08-01 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: MN

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate personal identifying information. I have previously contacted the credit reporting agency to request a correction, but the incorrect information remains on my file. The inaccurate reporting includes names, addresses, or other identifying information that are not mine and should not be associated with my credit profile. This misinformation is affecting the accuracy of my report and could lead to confusion or misidentification. I have provided valid documentation to verify my identity and correct personal details, including a government-issued ID and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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