vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Citi customer service after noticing a {$99.00} annual fee charged to my credit card. I explained that I had never been charged this fee before, and there had been no prior notice. The representative acknowledged my concern and offered to waive the fee if I spent {$99.00} on the card, which I agreed to. 

During that same call, the representative also offered me a 0 % APR balance transfer, stating that it would be guaranteed if I paid off my full statement balance. I asked for confirmation, and the representative clearly assured me that the offer was already approved and available on my account. 

Based on this promise, I made a full payment of {$7200.00} on XX/XX/year>, using funds that were originally allocated to cover other important bills this month. I trusted the representatives statement and acted accordingly. 

However, when I contacted Citi again on XX/XX/year> to proceed with the balance transfer, I was told that no such offer is available on my account. This is extremely frustrating. I only made the payment because the representative told me the 0 % APR balance transfer was guaranteed if I did. 

I believe this situation reflects misrepresentation by Citis employee, and it has resulted in financial harm to me. I respectfully request that Citi honor the 0 % APR balance transfer offer that was promised to me on XX/XX/year>.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Someone opened a fraud XXXX XXXX account in my name. I have not been able to contact anyone at XXXX XXXX because you need to enter the phone number associated with your account to get started and I don't have one.

I filed multiple reports with TransUnion and Equifax to no avail. The XXXX XXXX account started gathering charges on XX/XX/XXXX, which is when I began filing fraud reports. The reports have come back saying all the information was valid. 

Currently the XXXX XXXX account balance is at {$3500.00} out of a {$2000.00} credit limit.

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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have a small debt due to XXXX XXXX after I moved properties and I repeatedly tried to login to pay the debt and the system removed my account. After repeatedly sending emails asking how I pay the debt I was finally allowed back into my account where the balance was marked as XXXX. 
I then waited for a notice of the final amount and a means to pay but I never received a mail or any further information after I made all the effort to pay. 
I then discovered that the amount was added as a collection to my credit file without any notice or any communication option to settle. 
I am willing to pay the debt to the original creditor as I have been attempting to do but it is completely out of bounds for a debt collector to add it to my credit file without any notice or explanation or give me a means to settle. XXXX XXXX never gave me the option to pay. Note - I am willing to pay the debt but the credit mark has to be removed from my file as I was given XXXX notice or opportunity to pay prior to this even happening. 
The debt collector is Credence Resource MA Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-06-24 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: FL

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this complaint to formally dispute and request immediate removal of inaccurate and unauthorized collection accounts that have been reported to my credit file by XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX across Experian, TransUnion, and Equifax. These accounts are not mine, and their continued presence on my credit reports is not only erroneous but a clear violation of my rights under federal law. 

Despite prior disputes and requests for investigation, these accounts remain on my credit file without proper validation or verification. This is in direct violation of the following l

aws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Section 1681i : Cr
edit reporting agencies must conduct a reasonable investigation of any disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 

Section 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Violation : The accounts listed by XXXX XXXX and XXXX XXXX  remain on my report despite being inaccurate and unverified. 

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Section 1692e ( 8 ) : Debt collectors must not report information they know or should know is false, including failing to communicate a debt is disputed.

Section 1692g : Debt collectors must send a written validation notice within 5 days of initial communication and cease collection activity until they validate the debt upon request. 

Violation : I never received proper validation for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement. 


These inaccuracies have caused serious harm to my credit profile and are interfering with my ability to secure housing, financial services, and employment opportunities. I respectfully ask that you investigate this matter urgently and ensure that my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this complaint to formally dispute and request immediate removal of inaccurate and unauthorized collection accounts that have been reported to my credit file by XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX across Experian, TransUnion, and Equifax. These accounts are not mine, and their continued presence on my credit reports is not only erroneous but a clear violation of my rights under federal law. 

Despite prior disputes and requests for investigation, these accounts remain on my credit file without proper validation or verification. This is in direct violation of the following l

aws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Section 1681i : Cr
edit reporting agencies must conduct a reasonable investigation of any disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 

Section 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Violation : The accounts listed by XXXX XXXX and XXXX XXXX  remain on my report despite being inaccurate and unverified. 

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Section 1692e ( 8 ) : Debt collectors must not report information they know or should know is false, including failing to communicate a debt is disputed.

Section 1692g : Debt collectors must send a written validation notice within 5 days of initial communication and cease collection activity until they validate the debt upon request. 

Violation : I never received proper validation for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement. 


These inaccuracies have caused serious harm to my credit profile and are interfering with my ability to secure housing, financial services, and employment opportunities. I respectfully ask that you investigate this matter urgently and ensure that my consumer rights are protected.

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 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
This debt was an eviction that could have been prevented. I was involved with the court at the time for different reasons, but they were willing to pay my rent. The landlord at the time was giving them a hard time and would not give them the information they needed to write a check and pay my rent. Months went on and they continued the difficulties until I had no choice but to leave and move out. The state required one form from them and they would not give them this form as they explained it as those forms are for employees I do have the proof of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX- {$310.00} XXXX XXXXXXXX - {$300.00} XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX {$2100.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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 2025-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Was charged for medical visits for my sons XXXX XXXX despite having health insurance and using all in network providers. 

Dates of service with patient balance : XX/XX/XXXX {$490.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$870.00} XXXX XX/XX/XXXX I called XXXX XXXX to verify why I was being charged by XXXX XXXX despite having insurance with excellent coverage and using all in network providers. 

I spoke with XXXX from XXXX XXXX who told me to not pay the bill and that it would all get resolved because XXXX XXXX  already paid for the services and it appeared that XXXX billed my insurance extra. 

XXXX XX/XX/XXXX I attempted to call XXXX billing dept but was met with an automated message that billing dept was too busy and to call back another time. 

XXXX XX/XX/XXXX I called XXXX XXXX  again because I received another bill. They stated they would call XXXX the following Monday and call me back. I never received a call back. 

XXXX XX/XX/XXXX I called XXXX XXXX again because I received a debt collections notice from TSI. I spoke with XXXX who stated that according to a XXXX written by XXXX in XXXX that XXXX failed to fax over documents to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : 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 2025-06-24 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: NY

Complaint narrative:
I am formally demanding immediate corrective action due to the presence of inaccurate, unverifiable, and legally deficient information on my credit report. The continued reporting of false or unsubstantiated data is a direct violation of my consumer rights under federal law. 

The following Personal Information is being disputed as inaccurate and must be permanently deleted : Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Name : XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Employer : XXXX XXXX XXXX The following Accounts are being challenged for full permanent deletion due to lack of proper verification and non-compliance with Metro 2 and FCRA reporting standards : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiries are being disputed as unauthorized and reported without permissible purpose under 15 USC 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The derogatory claims tied to these entries are completely unsubstantiated and lack physical, verifiable evidence of accuracy, permissible purpose, or my authorization. I demand full deletion of these entries. The failure to provide documented proof, including contracts bearing my signature, leaves you with no legal basis to continue reporting. 

Furthermore, your prior form-letter responses are unacceptable and violate my rights under 15 USC 1681i . Each dispute requires individual review. The use of automated or template responses constitutes willful non-compliance and bad faith processing. 

You are hereby instructed to : Conduct a full reinvestigation in compliance with Metro 2 and the FCRA. 

Provide physical documentation validating the accuracy of each disputed item. 

DELETE any unverifiable, inaccurate, or incomplete data. 

Mail me the updated report reflecting all corrections. 

Failure to comply will be viewed as intentional negligence and will trigger legal remedies available to me under federal law. I expect full compliance within the legally mandated timeframe.

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 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: DC

Complaint narrative:
I am filing this complaint against MOHELA due to their mishandling of my federal student loans. Without my consent, MOHELA unconsolidated my loans and then reported them as 120 days late to the credit reporting agencies, severely damaging my credit. I have made multiple attempts to contact MOHELA by phone and mail regarding my loan forgiveness status, but they have failed to respond. Additionally, MOHELAs website now includes a disclaimer waiving responsibility for the accuracy of their information and attempts to force borrowers into an unlawful waiver of legal rights.

Company response to consumer: Closed with explanation