vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
had a checking account with Citi bank where I kept all my money. Some {$4000.00} I am an old XXXXXXXX person living on XXXX XXXX The bank decided to close my account for no apparent reason To make things worse, I was told by the banker I spoke with at the XXXX XXXX branch that I will receive my money within 30 days via check Do I have to stay without my money for 30 days, which is going to create a lot of hardship on me let alone make me miss paying some of my bill payments. And possibly face penalties for that I demand the bank sends me my money within a few days. Not 30 days Or I am going g to bring a law suit against it

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 2025-12-25 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: GA

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

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 2025-12-25 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Self Financial Inc.
State: CA

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX. 
Product : Consumer loan / Credit builder account Issue : Funds not received / Payout delay Amount involved : {$710.00} Complaint description : I paid my XXXX XXXX XXXX account in full on XX/XX/XXXX and closed the account. The payout amount owed to me is {$710.00}, and I selected direct deposit as my payout method. 

According to XXXX terms, payouts are typically processed within a few weeks after account closure. However, as of today, I have not received my payout, and no clear explanation or payment date has been provided. 

I have confirmed that : The account was paid in full The account was closed Direct deposit was selected My bank information was correct No payout has been received This delay is unreasonable and far outside the normal processing timeframe. I am requesting that Self Financial either : XXXX. Immediately release the {$710.00} payout, or XXXX. Provide documented proof of payment, including a deposit trace number and payment date. 

I am requesting prompt resolution and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
Female representative refused to tell me her name identification number or give me a supervisor when I asked for proof that I owed a debt he began to speak to me as if I were being disrespectful or irrational. The phone was disconnected. 

Male representative began to ask me questions and refuse to answer any when I asked if they could provide me with the contract or proof that I owe the debt I was flat out told no that I need to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit company was informed on XX/XX/year>, that this account was compromised and involved in identity theft. The account was reported as part of an identity theft investigation and reported to the Federal Trade Commission on XX/XX/year>. The creditor company failed to comply with the request.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this formal complaint against American Express regarding an interest charge of {$220.00} applied to my XXXX XXXX account on XX/XX/year>. I have consistently managed my account in good faith. For my most recent billing cycle, I paid the full statement balance before the scheduled due date to avoid interest. Despite this proactive payment, I was charged a significant interest fee. 

Upon contacting customer service ( including a supervisor ), I was informed that this was " trailing interest '' ( residual interest ). The explanation provided was that because I had previously carried a balance, I lost my " grace period, '' and interest accrued daily from the statement date until the date my payment was received. 
I am disputing this charge for the following reasons : 1. Lack of Clear Disclosure : The mechanism of " trailing interest '' and the loss of the grace period were not clearly communicated during the payment process. I believed that clearing the statement balance in full would halt all interest charges on purchases. 

2. Excessive Charge : A {$220.00} charge is disproportionate and creates a severe financial hardship, especially after I made a full payment on time. 

3. Attempted Resolution : I requested a one-time courtesy waiver due to this misunderstanding and my commitment to paying off the account, but my request was denied. 

I requested a one-time courtesy waiver due to this misunderstanding and my commitment to paying off the account, but my request was denied. I am committed to paying off my current balance to avoid further interest, and I seek to have my fair standing as a customer recognized by waiving this unfair charge. I am requesting the CFPB to assist in obtaining a full refund or waiver of this {$220.00} interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
This complaint concerns Firstmark Services continued collection and enforcement of private student loans without producing valid, original loan documentation, and their refusal to substantively investigate or cure documented defects after multiple CFPB complaints. 

In prior CFPB complaints ( filed by both me and my co-signer ), I raised specific, detailed disputes regarding the authenticity, completeness, and enforceability of the documents XXXX relies upon to service and collect these loans. In response, XXXX has now expressly stated that it considers the matter closed and will not take further action absent new or compelling information, while continuing normal servicing and collection activity. 

Despite repeated opportunities, XXXX has never produced : Complete, unaltered, hand-signed original promissory notes for all three loans A clean chain of title/assignment from the original lender through subsequent owners to the current holder A transaction-level payment history and amortization schedule demonstrating that interest capitalization ( principal interest, interest cap, and interest-on-interest ) is authorized by the original note language Instead, XXXX relies on internally generated or later-dated documents that were not part of the original closing package, were never presented to or signed by me or my co-signer at origination ( XXXX ), and show visible indicators of alteration, including redactions and digitally overlaid fields on forms that expressly state that alterations are not permitted. 

In its most recent CFPB response, XXXX does not deny these defects. Rather, it assertswithout evidentiary supportthat the documentation it has provided is sufficient and that it has no obligation to pause collection or further investigate. This position amounts to a refusal to validate the debt, not a resolution of the dispute. 

Notwithstanding the unresolved documentation and servicing defects, XXXX continues to : Send delinquency notices and payment demands Threaten adverse credit reporting and default Treat the loans as fully valid and enforceable This complaint is not about identity theft or denial that loans once existed, this complaint concerns private loans, not federal loans. It is about whether XXXX can lawfully continue to collect and report on loans when it can not produce unaltered originals, can not explain the provenance of the documents it relies on, and refuses to investigate or cure those deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
{$500.00} was taken out, they credit it to investigate, they never called, KEPT putting me off closing acct. Then I get a letter said it was closed, who did it, why, wasn't me, and I found others charges not valid, taken out, thru XXXX XXXX, they are misfits for Bank. I was there 20 years and now they are LIEING I wasn't allowed to close it,, get a letter saying that it was closed without permission???? Someone is doing things and they shouldn't. 20 years and I get treated like trash

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( XXXX XXXX XXXX ) has charged interest on a late payment and additional interest following payment. This account was on auto pay and somehow when it became XXXX the auto pay did not happen which resulted in the initial late payment. We have called XXXX time to correct the problem. XXXX interest charge was credited, but the subsequent statement had interest again. We were told it was done and there would be no additional interest charges only to receive the next statement with interest charges. 
We have been a cardholder for at least XXXX yrs.

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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Alleged money owed is listed as a contract breach and was transferred to a debt collection agency. 

Reporting {$13000.00} of debt for the breach. Upon dispute, the agency is now reporting XXXX {$13000.00} derogatory accounts.. 

Issue lay in no money judgements, no summery judgements for breach of contract exist. 

Landlords are required to maintain habitability standards. Retaliatory action via eviction was taken after exercising the right to withhold rent. Irrefutable evidence was submitted to court. 

An eviction was granted, Original complaint alleged {$2900.00}. With the judge exercising judiciary discretion. Neither granting money judgment, attorney fees, nor breach of contract. Due to the condition of the domiciles. 

Location XXXX XXXXXXXX, XXXX XXXX. XXXX months, no functioning roof. 

Violating FTC, CSPB, FCRA, and FL law,, I allege that they, acted with will-full and deliberate intent sold an erroneous unlawful debt. Further charging rent after an eviction. Charged rent on an uninhabitable property, Violated their fiduciary duty to the tenant as stated by law. Lastly, Furthermore, their delay in initial reporting, or have any correspondence. Caused the debt to be Omitted from Federal Bankruptcy Court.

The harm and detriment {$26000.00} of collections caused is indescribable. With the eviction being of a retaliatory, Preponderance of evidence Shows a will-full neglect of repair, retaliatory response, furthered by omitting intent to the court. Lastly, they have blocked communications. 

The collections agency has not proven anything to the credit agencys. All documentation is available. I estimate that XXXX falsified status updates have been submitted, to XXXX agencys. 

Thats XXXX, per person. XXXX falsified account updates. Totaling over {$36000.00}. 

This seems investigating further. 

XXXX XXXX XXXX  XXXX And Pro Collect Inc. non XXXX  entity.

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 2025-12-25 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding Wells Fargos handling of my prior CFPB complaint and the overall manner in which my concerns have been addressed as a customer. 

Wells Fargo committed to providing a response to my previous CFPB complaint by a specific date. That deadline passed without any response, explanation, or interim communication. A failure to meet a stated regulatory response deadline reflects deficiencies in complaint governance, escalation, and follow-through. 

Additionally, Wells Fargo representatives have continued to contact me by telephone and characterize those calls as an attempt to collect a debt, despite the fact that no debt is owed. Repeatedly mischaracterizing customer communications in this manner is inaccurate, inappropriate, and inconsistent with responsible servicing and consumer communication standards. 

Taken together, these issues reflect a pattern of poor execution, inadequate attention to accuracy, and insufficient regard for the customer experience. At no point has Wells Fargo formally acknowledged these failures or the impact they have had.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate personal identifying information appearing on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The following information is inaccurate, outdated, or does not belong to me and should be removed immediately : Incorrect / outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/XXXX Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never resided at or authorized the reporting of the above address ( es ) and phone number ( s ), or they are no longer current and should not be associated with my credit file.

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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: NY

Complaint narrative:
Starting in 2024 XXXX  was contacting me about an XXXX purchase i made for {$200.00}. The only XXXX purchases I made was for a XXXX XXXX and phone case. I had repeated disputed with XXXX and they still claimed I owe the debt. Recently they sent it to January Technologies in where they are saying I owe {$160.00} and on the email they sent me the address they have on file is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
The credit company was informed on XX/XX/2025, that this account was compromised and involved in identity theft. The account was reported as part of an identity theft investigation and reported to the Federal Trade Commission on XX/XX/2025. The creditor company failed to comply with the request.

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 2025-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX filed for bankruptcy shortly after I began my treatment. My treatment was never completed and they failed to provide the necessary adjustments to fulfill their XXXX XXXX Furthermore the bankruptcy of their company left me with out proper fitting aligners and caused all of the treatment to reverse. 
They then sold the debt to XXXX  and have left me unable to refinance similar treatment options to fix the problem the created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX IS REPORTING ILLEGAL LATES PER U.S CODES 1666B, 1681 AND 1637B. I NEVER RECIEVED A 21 DAY NOTICE OF LATES BEING REPORTED TO MY REPORT ........... REGIONAL FINANCE IS REPORTING INACCURATE INFORMATION REGARDING THIS ACCOUNT XXXX, XX/XX/XXXX THEY ARE REPORTING THIS ACCOUNT HAS OPEN WITH LATES AND AS A CHARGE OFF AND COLLECTION INACCURATE REPORTING PLEASE VALIDATE THIS 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