vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I have been pushed around on the phone for the last two days by CITI Bank and can not get any sort of resolution. I just want to be able to pay my credit card bills without receiving a return item fee On XX/XX/XXXX I paid {$300.00} from checking account ending in XXXX XXXX XXXX XXXX, which was returned and marked invalid account number. I previously have made payments from this exact same account that went through successfully on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX etc. I made another payment on XX/XX/XXXX for {$500.00} with account ending in XXXX XXXX XXXX XXXX which was also returned to me marked invalid account number which again I used this same account to make payments previously, on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc., which all went through successfully. 

After this I tried to delete my accounts linked to CITI in the app and relink my bank account, thinking something happened. I followed the steps through the CITI mobile app and relinked/reverified all outside account information. I even called my bank to make sure everything was good to go. None of these charges even made it to my bank account since it is getting marked invalid account. 

So, I tried again to make a payment. I made a {$500.00} payment on XX/XX/XXXX, that again was returned and marked as invalid account number. Again I had successfully made a payment from this account on XX/XX/XXXX NO ONE has been able to tell me why this happening and all the while I have now accrued {$90.00} in returned item fees. No one has been able to help come up with any solution and if I keep trying to make payments, the more fees I am accruing. The customer service has been so shockingly awful, I have basically been told. I dont know. No one has offered to come up with any solution and I have been treated horribly on the phone. 

At this point, I just want to be able to pay off my balance and close my account. I ask that the {$90.00} of returned item fees be waived as these were NOT in fact invalid account numbers seeing that I paid with each of them successfully previously. 

Thank you for your time, sincerely...

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 2025-09-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I submitted a formal dispute to the XXXX XXXX XXXX on XX/XX/year> regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX XXXX Account # XXXX Late payment ( s ) reported on XX/XX/year>XXXX XXXX  - Account # XXXX  Late payment ( s ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report.

This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-12 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding the inaccurate and harmful reporting practices of XXXX XXXX XXXX  on my consumer credit file. 

Account in Question : XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} ( Secured Loan ) Nature of the Dispute : This account has been reporting derogatory late payments that are inconsistent, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The following lates have been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late XXXX XXXX XXXX XXXX XXXX late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These notations are not only inaccurate but also fail to meet the minimum data integrity requirements mandated under FCRA 1681s-2 ( b ) and CFPB guidance. Furthermore, these derogatory marks are materially misleading as they misrepresent my payment history and overall creditworthiness. Violations : Failure to ensure maximum possible accuracy under FCR
A 1681e ( b ).

Reporting inconsistent and unverifiable late payment data.

Violation of Metro 2 reporting standards requiring proper coding and accurate delinquency hierarchy. Continued furnishing of disputed, unverified data in
violation of FCRA 623.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute on XX/XX/XXXX for transactions totaling {$5000.00}. On XX/XX/XXXX my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
A complaint was already submitted and there was no resolution, this is my XXXX  attempt through CFPB. Firstmark Services claims to be a loan servicer but is not providing the required documents such as the chain of title with endorsements proving the authority to collect on this account. 

They have continued to report false and inaccurate information to the credit bureaus and have ignored all disputes for the requested information. They claim to be a loan servicer but federal law is clear, as a loan servicer they would be reporting on behalf of the original note holder, not as themselves. My credit reports show this account as paid in full and closed. This has gone on for almost a year without any resolution, causing financial and emotional hardships that have affected all aspects of my personal business.

Firstmark has continued to use my personally identifiable information in a negligent and dangerous fashion and at this point is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
All iinformation is attached on my recent dispute. 

This is the XXXX dispute filled with the finance company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX PM in XXXXXXXX XXXXXXXX, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$0.00} ( account # XXXX ) XXXX - {$0.00} ( account # XXXX ) XXXX XXXX - {$0.00} ( account # XXXX ) XXXX - {$3400.00} ( account # XXXX ) XXXX  - {$0.00} ( account # XXXX ) XXXX - {$0.00} ( account # XXXX ) XXXX  - {$0.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-12 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: WA

Complaint narrative:
This mistake portrays an inaccurate view of my financial habits. Please review and resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 writing to formally dispute the accuracy of certain information reported on my credit report under 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 2025-09-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent accounts have been wrongfully reported under my name. I did not open or authorize these accounts, and their presence is entirely inaccurate and harmful. The continued reporting of these accounts misrepresents my financial history, undermines my credibility, and must be corrected without delay.

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 2025-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as a formal complaint and a Qualified Written Request ( QWR ) under the Real Estate Settlement Procedures Act ( RESPA ) regarding the persistent and incorrect status of my mortgage loan account. 

Despite repeated attempts to correct the records, Service Mac Mortgage continues to improperly list XXXX XXXX XXXX XXXX as a co-borrower on the above-referenced mortgage account. This is in direct conflict with the official documentation provided by XXXX XXXX, the prior loan servicer. XXXX XXXX  confirmed in writing in both XXXX and XXXX that XXXX XXXX XXXX XXXX was no longer on the home loan and that the loan was solely in my name. 

In good faith, I sent a comprehensive package of documentation to your office, including the relevant signed and dated paperwork, to confirm this change. Despite providing this clear and verifiable evidence, your representatives have refused to update the loan 's status, citing what they have vaguely described as a " previous mortgage policy. '' This refusal to acknowledge the legally documented change in the loan 's ownership is a significant error in your loan servicing. As a mortgage servicer, you have a legal obligation under federal and state consumer protection laws, including RESPA, to accurately maintain loan records and to properly investigate and correct errors identified by the borrower. Your failure to do so is a direct violation of these duties. The continued inclusion of an individual who is no longer a party to the loan creates unnecessary legal and financial complications and misrepresents the true nature of the account. 

I demand that you immediately correct my loan records to reflect that the loan is exclusively in my name. Furthermore, I request a written response detailing the specific steps you have taken to rectify this error and a clear explanation of the " previous mortgage policy '' that you have cited, and how it overrides the official documentation from the prior servicer.

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 2025-09-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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