vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I contacted the company through their chat service and requested for a one time late fee removal because I haven't been receiving and alerts or notifications. I remember going in and setting the alerts up so that I wouldn't be late, but they were all turned off on my account. The chat agent then said that they would cancel paperless statements, but they never did, in fact they did nothing to help. I requested a manager, they did not patch me through. I had to search XXXX and all over the citi card site to try to find where I can enroll in paper statements. I feel they are making it extremely difficult to get notifications and statements in order to charge me {$41.00} a month in fees.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank denied my debit card fraud claim involving four transactions totaling {$320.00}. 

The bank claims the transactions were authorized because a PIN was used. However, these transactions occurred in XXXX, XXXX, while I live in XXXX XXXX XXXXXXXX and was physically in the United States at the time. 

I did not authorize these transactions. I believe my debit card information and PIN were compromised through card skimming, which is a known form of fraud. 

Despite providing this information and disputing the decision, Citibank refuses to correct the error and plans to remove the provisional credit. 

I am requesting that Citibank reverse the unauthorized charges, correct my account, and properly investigate this as international debit card fraud due to PIN compromise.

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 2025-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Nationwide Mortgage Bankers, Inc.
State: NC

Complaint narrative:
Borrower : XXXX XXXX XXXX XXXX Nationwide Mortgage Bankers , Inc. ( DBA XXXX XXXX XXXX XXXX XXXX XXXX Property : XXXX, North Carolina Loan : FHA Refinance ( XX/XX/XXXX ) SUPPLEMENTAL COMPLAINT This supplemental complaint is submitted to provide additional material facts and documentary evidence relating to inflated and improper settlement charges, FHA steering , appraisal defects, settlement service steering, forged or altered documents, mishandling of loan proceeds, misuse of borrower demographic data, and coercive conduct. 
II. Loan Background The borrower purchased the property in XX/XX/XXXX for {$310000.00}. At the time of refinance in XXXX, the unpaid principal balance was approximately {$210000.00}, and the borrower sought to consolidate approximately {$60000.00} in consumer debt. The borrower requested a {$300000.00} refinance, which would have represented approximately 75 % LTV based on internal lender communications reflecting a higher assumed value. 
III. Appraisal and FHA Steering An appraisal dated XX/XX/XXXX concluded a value of {$350000.00}. The appraisal contained internal inconsistencies and missing reconciliation elements and materially constrained conventional eligibility, resulting in placement into an FHA loan with financed upfront mortgage insurance and ongoing monthly MIP. 
IV. Inflated and Improper Settlement Charges The final Closing Disclosure included questionable and inflated charges, including credit report fees, XXXX fee later agreed to be refunded, increased settlement fee without justification, excessive title search and review fees, and failure to apply a discounted/reissue title insurance premium despite timely submission of prior policy documentation. 
V. Forged or Altered Documents The borrower discovered that initials appearing on the COVID-19 Certification document were not placed by the borrower, raising serious concerns regarding document alteration or forgery. 
VI. Mishandling of Loan Proceeds Despite this being a debt-consolidation refinance, creditors were not paid directly. Checks were issued to the borrower and mailed via regular mail to the North Carolina residence while the borrower was physically in New York, requiring a neighbor to retrieve the envelope. This resulted in delayed payments and late fees. 
VII. Demographic Information Misuse The borrower declined to complete the demographic ( XXXX ) information page ; however, the information was completed anyway, contrary to federal disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-18 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: PA

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: WI

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 non-monetary relief
Consumer complaint received 2025-12-18 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am disputing the accuracy of this account. The furnisher claims to have mailed validation and notices ; however, the correspondence was sent to an address I have never lived at and do not recognize. Because notices were not sent to my correct address, I was denied my right to timely dispute under the FDCPA. The furnisher failed to reasonably verify this account as required by the FCRA. The documentation provided does not establish proper notice, does not include a signed agreement, and does not validate the amount claimed. Please delete this account due to inaccurate and unverifiable reporting. 

At this point, I believe this account was opened fraudulently and does not belong to me. The furnisher has failed to reasonably verify this account as required by the FCRA and failed to provide proper notice under the FDCPA by mailing correspondence to an address I have never lived at or recognized. The documentation provided does not include a signed agreement, proof of identity verification, or evidence linking me to the address or the alleged account. Continued reporting of this account constitutes inaccurate and unlawful reporting. I am requesting immediate deletion of this account from all consumer reporting agencies. If this matter is not resolved, I am prepared to pursue further legal action and submit formal identity theft documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint Against Capital One - Request for Hardship Settlement and Pay for Delete Agreement Account Number : XXXX To Whom It May Concern, I am filing this complaint against Capital One regarding my credit card account ( Account Number : XXXX ) with a current balance of approximately {$2200.00}. I am currently experiencing severe financial hardship due to a recent divorce and surgery related to health issues. This has made it impossible for me to make the required minimum payments or pay the full balance as it stands. 
I have successfully negotiated payment agreements with other creditors and am committed to resolving this debt responsibly. However, Capital One has not yet offered a feasible hardship program or settlement option that fits my situation. I am requesting assistance from the CFPB to facilitate a settlement where I can pay a reduced lump sum or structured payments ( e.g., 50 % of the balance over time ) in exchange for Capital One closing the account and agreeing to delete all negative reporting related to this account from my credit reports at XXXX XXXX XXXX XXXX ( a " pay for delete '' arrangement ). This would allow me to rebuild my credit while satisfying the debt. 
I believe this aligns with Capital One 's available hardship and settlement options, as they have programs for customers in financial distress. Please investigate this matter and urge Capital One to work with me on a fair resolution. I can be reached at XXXX or XXXX for any additional information. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: DC

Complaint narrative:
This complaint addresses TransUnions continued reporting of tradelines that another consumer reporting agency has already determined to be unverifiable. After XXXX disputes and CFPB-mediated review, XXXX confirmed in its CFPB responses that it deleted the XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX tradelines because the furnishers could not verify the information. I have attached XXXX CFPB responses confirming these deletions, along with my full complaint and supporting documents. I am requesting that TransUnion identify the specific investigative procedures and records it relied on to verify information XXXX  could not verify, or delete the tradelines accordingly. 

I have also attached a picture of my ID as well as an energy bill for identification purposes

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 2025-12-18 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-18 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I used to bank with Chase Bank however this is not fair to me because there was a guy that I had met and I had no clue what he was about. Foremost, he had gotten into my bank account and he had gotten in my phone and he began to dispute transactions that I never gave him any type of permission whatsoever to get into my phone and call upon people such as Chase the dispute team. I am very upset. I was very good loyalty customer and you guys closed my account out with not even talking to me about anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
THIS LATE PAYMENT IS FALSE AND DOES NOT BELONG ON MY 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 2025-12-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve disputes related to inaccuracies in my credit report. Below are the accounts in dispute : Charged Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX  XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Kindly confirm receipt of this request and provide written notice once the correction has been completed. I reserve the right to take further action if necessary.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
b"Well, I lost my card in my pin number was used on the card.I know I shouldn't have my pin number of my cord but I have a hard time remembering. By federal law, this shouldn't been a reason to deny my claim. I'm out XXXX. They're gonna reverse it back on to  my account on XXXX XXXX XXXX i cant afford to pay this back plus i shouldn't be  the person responsible taking this out of my account to pay this back.I did give them a police report.The police report number is XXXX XXXX XXXX its gonna over draft my account by federal law , a customer from the bank shouldn't be responsible , the defendant should be not  the victim m&t is a joke with this man"

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