vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
when I bought this car originally, they could not find my credit score supposedly cause the big that I used said that they only use Experian and Experian has not been linked up to my Social Security number or something, but its finally been updated but still its theyre not reporting to experience at all. Theyve dont even know if theyre reporting but my main concern is that when I bought the card, they said they didnt have a credit score and they still gave me a loan. They gave me a lower interest rate and I put XXXX down now I have first place insurance in the car balance has gone up, but my main concern is that during this process and throughout the last year I had I had some fraud on my account that was wrongly investigated, and the wrong charges were chosen, along with the fact that I tried to cash a check in the account happened to be closed and then I even paid back the money for that account and I paid it back the negative balance but then they added extra charges for the disputed transactions but they werent even the right transactions but they added more transactions later on so now Im in debt and my account has been closed down for cash only access which I can no longer see any type of statement for the account meaning my loans with the XXXX  XXXX XXXX XXXX is unable to be seen and I dont know how much Ive paid on it. I dont know how much my interest rate is I know nothing and Ive been paying for about a year now and my balance has not gotten any any lower than from when I bought the car and I do not know my interest rate

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Steel Lending Group LLC
State: OR

Complaint narrative:
I have a XXXX XXXX XXXX XXXX that I owe over XXXX on from a new loan that started this year and I already have major transmission problems/leaks and Ive already had to fix the thermostat because of engine over heating, radiator stopped working properly on gets hot when driving, at lot of enteral damage I was not told about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: FL

Complaint narrative:
Billed for medical services that are not mine. Patient has same name and birthday as me.

Date of service was XXXXXX/XX/year>. Amount {$720.00} XXXX XXXX XXXX. Service was at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX referred me to XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX referred me back to XXXX XXXX  XXXX. I have spoke to XXXX many times starting in XXXX asking them to bill other person who is on XXXX. 

Obviously no one took her insurance info, address or ID when she had procedure. My name popped up first and they used it, never verifying who she was. 

This has been turned over to M Net Financial. XXXX. I want to dispute this charge.

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 2025-12-29 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: WI

Complaint narrative:
I am requesting a review of the following accounts reported on my Equifax credit report. These accounts appear to have incorrect information, and I respectfully request a thorough investigation and correction. 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$25.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$700.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX, 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, an annual fee of {$99.00} was charged to my Citi credit card account. I did not receive any clear advance notice that the annual fee was about to renew, nor was I provided with a reminder or alert prior to the charge posting. 

I contacted Citi by phone on XX/XX/year> to request a waiver or refund of the annual fee along with interest and penalties associated with the annual fee. During that call, the representative asked whether I would be willing to downgrade the card. I stated clearly that I was only willing to consider a downgrade if the annual fee already charged would be refunded. 

Before confirming whether the annual fee would be refunded, the representative attempted processed the downgrade without first providing confirmation that the fee would be refunded. I did not authorize an account downgrade absent explicit confirmation of the refund. 

I requested clarification and asked that no account changes be made until the refund terms were confirmed. The situation resulted in confusion and an attempted downgrade without clear, informed consent and without confirmation of the annual fee refund that was a condition of my agreement. Per the Citi employee, the downgrade was declined which was communicated after the attempt that was not authorized. 

During the same call, I informed the Citi representative that I would be contacting the Consumer Financial Protection Bureau regarding this issue. The representative stated that the CFPB could not help me. This statement was misleading and discouraged the use of a federally established consumer complaint process. 

I am requesting that Citi : Refund the full annual fee of {$99.00} that was charged along with the {$2.00} in interest, and {$30.00} late payment fee. 

I am requesting this resolution because I did not receive advance notice of the annual fee renewal, my consent to downgrade was explicitly conditional on confirmation of a full refund that was not provided, and I was incorrectly told that the CFPB could not assist with 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 monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, my Experian credit file was thawed at approximately XXXX XXXX  Eastern Standard Time without my authorization. I received a text message alerting me to the thaw, even though I never requested or approved it. Fourteen minutes later, I received another notification stating that the thaw had been canceled. However, before the cancellation, XXXX XXXX accessed my Experian credit report. 
The next day, I contacted Experian to report this issue. The representative told me the situation was my fault, which I strongly dispute. I did not initiate or authorize any thaw. Experian refused to take corrective action or provide documentation of how the freeze was lifted. Their refusal to assist or investigate is unacceptable and raises serious concerns about the security of my personal information.

This unauthorized thaw exposed me to identity theft risk and resulted in an unauthorized credit inquiry. It has caused significant stress and concern about the integrity of Experians credit freeze process. Experians failure to protect my credit freeze and dismissive response violate my rights under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. I am concerned this will happen again.

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 2025-12-29 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: FL

Complaint narrative:
Please assess the attached information, noting that the inquiries were submitted without notice and may be unauthorized.

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 2025-12-29 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: OH

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal 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 non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry XXXX XXXX Date of Inquiry XX/XX/year> Unauthorized Inquiry XXXX Date of Inquiry XX/XX/year> Unauthorized Inquiry XXXX XXXX  Date of Inquiry XX/XX/year> Unauthorized Inquiry XXXX XXXX  Date of Inquiry XX/XX/year> Unauthorized Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX, 2025 Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above hard inquiries are the result of identity theft and fraud.

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My employer signed everyone up for a free trail of credit monitor through Experian. I sign up and a week later they take {$24.00} from my card but the credit monitoring is free until XXXX XXXX  I called and asked why on XX/XX/XXXX as to why they took the money and they cant explain. They just issued me a refund because they knew they were not supposed to take my money, and said the refund will be back on my card within XXXX business days. Here we are XX/XX/XXXX and nothing and Ive called 4 times and still getting the run around with no help. They said on we can provide the transaction number for your bank. I said its a credit Union and they have nothing pending on there end saying the money will be back into my account. Experian is the worst and they dont care. Next step is suing them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have had a business credit card with Citi bank for 25 years and now it is time to close the account and cancel credit card. Ive been on the phone with them and talked with XXXX different people with Citibank XXXX. I was on hold and transferred for XXXX hours and XXXX minutes. The last transfer was disconnected. All I want is to cancel and close the account.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A credit card account was opened in my name on XX/XX/year> without my authorization. Between XX/XX/year> and XX/XX/year>, XXXX unauthorized transactions totaling {$6100.00} were made on the account. Citi investigated and confirmed that the credit card account was fraudulently opened due to identity theft and subsequently closed the account. 

Prior to the account being closed, a payment from my Citi debit card was made to that same credit card in the amount of {$380.00} on XX/XX/year>. Citi conducted a separate investigation into the debit card payment and determined that the payment was accurate, despite the credit card account having been confirmed as fraudulent. 

I informed Citi that the credit card account was opened through identity theft and that I did not authorize any payments to it. However, Citi has not reversed the debit card payment and has not provided written confirmation as to whether I am liable for any balance associated with the fraudulent credit card account.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am writing to dispute several items on my credit report, as outlined below. The accounts in question are inaccurate, incomplete, and do not reflect the true status of my credit history. I respectfully request that these issues be corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> Late Payments XXXX  XXXX Account Number : XXXXXXXX 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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I have been out of work since XX/XX/XXXX due to a XXXX XXXX. I just had XXXX on XX/XX/XXXX. I have talked to them on several occasions explaining the situation the first time they told me there wasnt anything they could do. Today when I called them they told me to avoid repossession I needed to make a payment within XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$810.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6500.00}

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I stayed that I moved from my apartment and paid all my utilities when my lease ended

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