vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
What happened : I am filing a new complaint because Citibank improperly handled my prior dispute about an {$81.00} XXXX XXXX baggage charge from XX/XX/year>. The dispute was closed without a fair investigation and was misclassified as unauthorized, even though my original claim clearly stated that this was an overcharge for luggage that should have been included in my ticket. 

My ticket was purchased through XXXX ( a XXXX  XXXXr ) and included one carry-on bag at no extra cost. On my return flight operated by XXXX XXXX from XXXX to the XXXX, the XXXX XXXX gate agent refused to let me board unless I paid an {$81.00} baggage fee for my carry-on. This charge contradicts the ticket conditions and the treatment I received on the outbound XXXX segment, where I was not charged. 

I provided Citi with evidence including the XXXX e-ticket, the XXXX XXXX receipt, and correspondence showing the inconsistency. Citi nevertheless closed the case, saying my statements conflicted and that the merchants documentation proved the charge was valid. That documentation simply confirms the transaction occurred it does not justify it under the contract of carriage. 

What I want : Citi should reopen the dispute under the correct Regulation Z category ( service not rendered as agreed / billing error under 12 CFR 1026.13 ). I request confirmation that Citi reviewed all documentation and complied with federal dispute-resolution requirements. I also ask that XXXX XXXX be contacted to refund the improper fee or that Citi issue a credit. 

Attachments : XXXX e-ticket and baggage allowance XXXX XXXX charge receipt Citi closure letter and CFPB response

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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation

Complaint narrative:
In XXXX, my parents purchased this home and refinanced the mortgage in XXXX. They have been making consistent monthly payments ever since. However, there appear to be longstanding issues originating from the refinancing and closing process that have never been fully resolved. 

Despite repeated attempts to communicate with the mortgage company to address these problems, the issues persist. The mortgage is still active, with an expected payoff date in XXXX, and we want to ensure that all records, disclosures, and payments are accurately reflected. 

We are seeking a thorough review and resolution to correct any errors or discrepancies in the mortgage account, as these unresolved issues have continued for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Please urgently remove and permanently delete these invalid bankruptcy listings from my credit record because they are misleading and belong to someone else.

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 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Ive reached out to LVNV asking how was it possible for them to have gotten my information without my consent which is 100 % illegal never done business with them. I asked for purchase agreement with my signature plus to validate any other information and documentation they have of us doing business which was 60 days ago. I still havent received anything and theyre still reporting on my consumer report inaccurate information which has cause me to be homeless going house to house for the past XXXX years which is unacceptable I want compensation and it off my CREDIT IMMEDIATELY NO QUESTIONS ASKED because according to 15 usc 1681i if I dont have a proper reinvestigation in which I didnt because if I did they would see the violations and inaccuracy which would result in a deletion. This will literally be my fourth go around dealing with this matter and Im sick of it atp. Im seeking compensation for the damages and suffering Ive been put through for the last XXXX years going on XXXX. Plus I have proof of the account being deleted off my report now its back reporting that also is a violation against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Im filing this complaint in regards to the Amazon store card hosted by Synchrony Bank.

I recently made a rather large purchase through Amazon. When I was checking out, I was given the option to make 12 interest free equal payments. I selected that option and checked out. 

I have excellent credit ( XXXX ) and Im very diligent about paying my bills on time and paying any amount required to avoid interest. 

After receiving my statement from synchrony, I discovered that they put the full purchase amount into the statement balance. I was given XXXX options : XXXX ) pay my full balance amount XXXX ) pay the minimum amount ( interest would be incurred ) XXXX ) pay my statement amount ( which would include the full purchase amount of the promotion Nowhere did they listen the amount needed to pay to avoid interest. I opened up my statement and it did not make it clear. 


I called customer service and was told that I would be required to calculate the purchases that I made over the promotional purchase and pay that amount in addition to the minimum payment amount. I was forced to rely on what the Customer Service agent told me I needed to pay to avoid interest. I spoke to one Customer Service agent and the supervisor I was initially given different dollar amounts for what I needed to pay. 

If I encourage interest, I have no recourse or proof that I paid the correct amount since I simply went off of what they told me. 

These practices are incredibly deceptive and designed to cause consumers to incur interest. There is also no way to set up auto pay in a way that automatically pays the correct amount to avoid interest.

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 2025-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE ENTRY REPORTED IS INCONSISTENT WITH MY RECORDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
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! 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX a charge was made from XXXX on our Citibank credit card for {$3200.00}. Citibank flagged it as fraud XXXX. I was not aware it was a scam at the time, but was aware of the charge as XXXX had promised it would be refunded by 90 days. When Citibank told us it was fraud our card was cancelled ending XXXX and new one issued ending in XXXX. Citibank said if the credit came in it would go to new card issued. I called XXXX and they said that it would be issued by XX/XX/year>. As of today, XX/XX/year>, it has not and I am presently unable to reach the Booking company. I am now sure that it was a fraudulent company as after many attempts I can not reach them and when I was able to speak to someone they requested more money to get my refund. It was a different story every time. 
The above issue is the first problem. The second issue is that Citibank credit card now has the wrong balance. They have a duplicate charge of {$3200.00} that became part of total balance on new card number sometime on the XXXX or XXXX statement. I have disputed it numerous times. The confirmation number XXXX. The last person I spoke to was XXXX and the confirmation of conversation is XXXX on XX/XX/year>. Prior to this I spoke to a dozen people and received the run around and it appears no one is solving the issue of duplicate charge or prior scam. My balance is over {$7500.00} approximately and I have only charged approximately {$1000.00}. The original charge of {$3200.00} is a scam charge I feel I shouldn't have to pay. The second charge is of {$3200.00} is a duplicate charge I never consented to. I have kept a written timeline of all events and conversations and have the records of everything discussed above that I can provide.

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 2025-11-11 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIANXXXX XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 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: CA

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 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-11-11 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: OH

Complaint narrative:
Subject : Formal Notice of Identity Theft Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute and request the removal of the following account from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Account Information : Creditor Name : [ Insert Creditors Name ] Account Number : XXXX Reported Status : Closed / Charged-Off Reported Balance : {$230.00} Payment Status : Past Due {$230.00} This account was opened or used without my authorization. I am a victim of identity theft, and I did not open, authorize, or benefit from this account in any way.

Under 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be blocked and permanently removed from my credit file. Please conduct an immediate reinvestigation and provide written confirmation once the account has been deleted.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only contain information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IL

Complaint narrative:
Unauthorized ATM withdrawals that were not by myself. Try to settle this since XXXX to no resolve. They are still not settled nor returned the money to my account.

Company response to consumer: Closed with explanation