vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00}

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$960.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$4000.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$2200.00} XXXX XXXX Date Opened : XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$6300.00} XXXX FIN XXXX Date Opened : XX/XX/XXXX {$4400.00} XXXX XXXX Date Opened : XX/XX/XXXX {$3800.00} XXXX XXXX Date Opened : XX/XX/XXXX {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My XXXX XXXX XXXX XXXX, and also my XXXX XXXX XXXX  was closed to inactivity. Youre not buying tires every year nor furniture. I did not authorize for the cards to be closed. I was told I will have to reapply and get a ding to my credit. Im requesting my cards to be reopened. This is a stressor to my life.

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 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I contacted New American Funding ( NAF ) around this date XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested to remove the insurance and escrow from my account. I contacted NAF by phone in XXXX and XX/XX/XXXX, and they stated I would receive a response via mail within XXXX business days. I have not received anything. XX/XX/XXXX, contacted NAF by email with the same request. NAF responded XX/XX/XXXX and said I would recieve a response within XXXX business days. I have not recieved a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
I have a child support showing on my credit. There are only two credit reporting companies that have not did showed me a copy of there investigation. Even after I sent a copy of the court order. XXXX has removed this. Experian and transunion still have not removed the child support from my credit. This is a big problem 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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
The company charged off the debt and never provided me with a XXXX form and still reporting on my credit report as balance owed. That is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing a formally dispute on all credit bureaus Experian, TransUnion, and Equifax. my information was exposed in a data breach and I have a reason to believe it violates my rights under XXXX XXXX Code XXXX, part of the Fair Credit Reporting Act ( FCRA ). As per this statue, I understand that consumers are protected against unfair credit reporting practices, and I do not recall authorizing these inquires or any matters that could harm my credit.If the Creditor can not provide any proof of authorization from me then I request an investigation of this matter and have all negative reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XXXX XXXX XXXX I paid off my Citizens Bank Credi Card Balance, which in their terms on the website was stated as my Current Balance of {$4200.00}. On XXXX XXXX XXXX I received a statement in the amount if {$43.00} which they are calling interest, and after inquiring with their Representative I have learned this is Residual Interest. In that conversation I obtained my pay off balance to avoid further Residual Interest. Here is my complaint, with Citizens Bank Credit Card, charging a Residual Interest this could go on a life time. An unsuspecting consumer may not realise this. If a Current Balance is not the true Current Balance then it should be called something other to alert the Consumer. By not doing such this is deliberately abusing the Consumer. The definition of Current Balance for a Credit Card is the total amount owed at a specific moment, including purchases, interest, fees, and any other outstanding charges. It is realized this current balance can fluctuate throughout the billing cycle as one makes transactions. The average consumer would believe this is the amount to pay when closing out. Yet it is not, and from this could be subject to paying Residual Interest their entire life! Now what truly bewilders me is that in Modern Day time when you can do real time banking why is Citizens Bank interest accrued not being calculated in to the total of what is suppose to be the Current Balance? So I am requesting this fee be waived and without negative impact to my credit rating or in any other manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There were fraudulent charges on our account. We would not pay the charges until we received statements. They were using the wrong address which was also fraud. We argued that this was all fraud. They agreed that some of it was but the other fees were our annual renewal fee. We spent hours on the phone on multiple occasions and kept getting transferred. Every time we go transferred the employee would tell us we owe a different amount. We finally came to an agreement that we owed some of the money and paid {$380.00}, Then we tried to buy a house and found our credit scores were way down because of Citibank. This all started from fraud and we should not be punished for fraud. We have been good customers for years and you have been terrible through this process. I want this resolved and removed from our credit. Thanks

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 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This account appeared on my credit report a couple of months ago, it didn't provide no phone number or address, but I found the number on XXXX after telling them that I was with a XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX XXXX volunteers in XXXX did not charge me for anything so I don't know how I would of acquired a y XXXX XXXX from anyone in XXXX of XXXX, I asked for the name of the original creditor, date of service, nothing was provided, I would like this removed from my credit report and never to put it on there again unless my signature gives them or any other company permission to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Credit cards opened without my consent 1-bank of America XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had services completed by a different company that I was not satisfied with and continued to receive no response from the business. I contacted my bank, Chime to dispute the transaction for unsatisfactory services. I called a representative who filed my dispute for me and 13 days later they denied my claim with no reasoning as to why. They have denied countless claims and dont seem to resolve anyones disputes who uses their banking system. I am now out {$200.00} as I still havent received any form of contact from the business who completed the service and Chime doesnt seem to care about anyones disputes and simply just wastes your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
TO : CFPB, EXPERIAN, AND XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX I'M REQUESTING THAT XXXX XXXX XXXX REINVESTIGATE MY ACCOUNT MENTIONED ABOVE. 
THE STATUS ON THIS ACCOUNT SHOWS PAID THE TERMS WERE 12 MONTHS WITH ME AND XXXX THE ACCOUNT WAS OPEN XX/XX/XXXX THE LAST PAYMENT WAS MADE XX/XX/XXXX SO THAT MEANS I FULFILLED MY TERMS WITH XXXX  WHY DOES IT SAY THAT LATE PAYMENTS OF 90 DAYS IN XX/XX/XXXX, WHEN MY LAST PAYMENT WAS MADE IN XX/XX/XXXX PLEASE REMOVE THE LATE PAYMENT SO THAT MY ACCOUNT IS IN GOOD STANDING.

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 2025-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am sending this letter in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt, including all relevant documentation to substantiate your claim. Please provide the following : 1. The original contract or agreement that assigned or transferred the debt to your agency.

2. Proof that your company has the legal authority to collect this debt, including any assignment or purchase agreement.

3. A detailed itemization of the alleged debt, including the original amount, interest, fees, and any payments made.

4. The name and address of the original creditor and proof of my obligation to this debt.

5. A copy of any judgment ( if applicable ) that grants you the right to collect this debt.

6. Verification of my consent to this debt, including any original signed agreement.

Until I receive the requested validation, I dispute this debt in its entirety. Per the FDCPA, cease all collection activity until you provide proper verification. Additionally, if you report this debt to any credit bureaus before providing the requested validation, such action may be considered a violation of my rights.

Please respond in writing to the address above within 30 days of receiving this letter. If you fail to provide sufficient validation, I will consider this matter resolved and request that you cease further communication regarding this alleged debt.

To Whom It May Concern, I am writing to formally dispute the balance reported on my credit regarding [ Landlord/Property Name ]. The balance in question is inaccurate and should be removed immediately.

During my tenancy, several issues were never addressed by the landlord. Specifically : The landlord failed to provide a working dryer in my unit, requiring me to purchase my own.

The water heater exploded in my closet, causing significant damage that was never properly repaired.

The carpet was never replaced, despite prior tenants living in the unit before me. 
I confirmed with the owner, XXXX, that a couch left in the unit would be removed. I asked if I needed to sign or provide anything, and she stated no. 
I was on a month-to-month lease and paid my rent in full before leaving. 

The charges listed against me are false, just as the staff has repeatedly misplaced money orders, as documented. The numbers presented are incorrect, and I do not owe any outstanding balance.

Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting the immediate removal of this disputed balance due to a lack of sufficient evidence supporting its validity. Please provide written confirmation once this has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am not able to pay my Newrez mortgage through their lousy portal. Any attempt to use the payment workflow results in their loading image just hanging and ultimately giving the following error : " HttpErrorResponse : Http failure response for XXXX XXXX XXXX.shellpointmortgageservicingXXXXXXXX XXXX XXXXXXXX Execution Timeout Expired. The timeout period elapsed prior to completion of the operation or the server is not responding. '' I had already called in about a late fee because I had previously been unable to pay the mortgage and I still can not because their system simply does not work. They even use XXXX for authentication which is literal child 's play. They need to fire their XXXX and get someone who didn't build a portal using the " Backend Development For Dummies '' book.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX ( XXXX XXXX XXXX XXXX ) this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft 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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: FL

Complaint narrative:
They contacted family members I dont get along with and the company represented themselves as agents and it started rumors online. I never heard of this company or have it permission to publish anything to my credit report or otherwise either, which I am protected under the consumer credit rights laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received a copy of my credit report and see there is inaccuracy on my file.Ive previously disputed this account and it remains on my file.The accounts was charged off on the following dates : XXXX  XX/XX/year> Account # XXXX And XXXX XXXX XXXXXX/XX/year> Account # XXXX. Since then the accounts have been repeatedly updated as a charge off for several months. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding the deletions of the following accounts reported

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 2025-03-23 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: NJ

Complaint narrative:
I received a copy of my credit report and see there is inaccuracy on my file.Ive previously disputed this account and it remains on my file.The accounts was charged off on the following dates : XXXX  XX/XX/year> Account # XXXX And XXXX XXXX XXXXXX/XX/year> Account # XXXX. Since then the accounts have been repeatedly updated as a charge off for several months. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding the deletions of the following accounts reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year> all XXXX student loans were paid in full in the amount of {$100000.00}, confirmation # XXXX. 

XX/XX/year> XXXX letters were received via postal mail confirming all XXXX loans were paid off. 

On XX/XX/year> at XXXX request those letters were emailed to customer service due to late notices received by postal mail. 

Since that time we have received 6 over due notices and phone calls loans are past due. Supervisors said on multiple occasions their processing team is unable to reapply and fix.

Company response to consumer: Closed with explanation