vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Summary of the facts : I had a Citi secured credit card, expiring in XX/XX/year>. 
I called ahead of time to request a replacement card. They confirmed it would be sent and that my address was correct. 
The card never arrived, despite multiple calls and follow-ups. 
Meanwhile, I continued to make my monthly payments, reducing the balance as agreed. 
Eventually, and without prior notice of intent, Citi unilaterally closed the account. 
They told me they would use the security deposit to pay off the outstanding balance and send me the remainder. That check did arrive. 
I never received the new card. But I did fulfill all my financial obligations to Citi. 
The problem : Now that I review my credit history, I see with surprise and concern that Citi reported this account as : Account closed by consumer, which is not true. 
This is seriously affecting me. I was recently denied a bank application due to this erroneous information. I'm in the process of rebuilding and strengthening my credit, and this entry unfairly damages my profile with lenders, as it gives the impression that I abandoned an account, which I didn't.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As CFPB and Bank of America are well aware, I once asked Bank of America to provide me with a debit card. Instead of doing that, Bank of America unilaterally and without notice changed the login information I need to have online access to my account. I thus lost online access to my banking information more than a year ago and Bank of America has done nothing to fix that problem. 

I have never received a working debit card from Bank of America and the bank damn well knows that. Nonetheless, my account is now short by {$21.00} because, according to Bank of America, they accepted a charge against my checking account in that amount, a charge that they say occurred at XXXX and was made with a debit card. 

I have advised Bank of America that I never made any such charge. I have also reminded Bank of America of what they already damn well know : that I DON'T HAVE A DEBIT CARD.

Despite repeated requests that they reverse the charge, as of today, Bank of America is still showing a shortage to my checking account of {$21.00}. I did not make that charge and I have never used a Bank of America debit card connected to my checking account for any transaction whatsoever.

Can you please make Bank of America put my money back?

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 2025-05-28 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: AZ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-05-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-05-28 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: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Subject : Mortgage Not Reaffirmed After XXXX  Now Being Improperly Reported as Delinquent ( XXXX XXXX to SPS Select Portfolio Servicing ) I am submitting this complaint to formally address a serious issue involving the inaccurate and untimely reporting of a mortgage that was discharged over 15 years ago through XXXX. 

I filed for bankruptcy under XXXX XXXX  and received a discharge on XX/XX/year>, under case number xxxxxxxxxxxxxxxx, filed in XXXX XXXX XXXX XXXX XXXXXXXX. The mortgage in question, serviced at the time by XXXX XXXX  with account number ending in XXXX  was not reaffirmed during the XXXX  proceedings. As such, this debt was discharged and should no longer be reported as active or delinquent.

However, after more than 15 years of no reporting activity, this account has recently reappeared on my credit report as delinquent, which is both misleading and damaging. This type of reportingsometimes referred to as ghost reportingis not only inaccurate, but it is in direct conflict with the Fair Credit Reporting Act ( FCRA ) and post-bankruptcy credit reporting guidelines. The current servicer is SPS Select Portfolio Servicing , Inc. with loan XXXX XXXX  
This erroneous reporting has had a direct and detrimental impact on my creditworthiness and has recently prevented me from obtaining a loan. 
I have attempted to resolve this matter by contacting both the mortgage servicer and the credit bureaus, but have been unsuccessful in having the inaccurate information removed or corrected. I reported disputes with the credit agencies on two different occasions, and both times, the debt was returned as accurate. Additionally, when I alerted SPS of this incorrect accurate response, the representative informed me that they dont verify the accuracy of debt with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Category : Prepaid Cards Company : XXXX, XXXX. / XXXX XXXX ( via Equifax Data Breach Settlement ) Issue : Deceptive settlement practices, forced arbitration, and data-sharing risks Note : I received an email stating that I was issued a prepaid virtual debit card as part of the Equifax data breach settlement the result of Equifax compromising the private data of over 140 million Americans, including mine.

The compensation? One dollar.

To claim that {$1.00}, I would be required to activate a card issued by a third-party bank ( XXXX XXXX XXXX XXXX and agree to a dense multi-page contract, which includes : - A mandatory arbitration clause that strips me of my right to sue or participate in future class actions, - An inactivity fee that allows the issuer to reclaim the full dollar if I don't use it fast enough, - The collection of additional personal information by yet another financial institution in a settlement that is supposed to address the abuse of my personal data. 

This feels deliberately exploitative. It creates friction, discourages participation, and essentially returns no meaningful compensation while exposing me to additional legal and privacy risks. 

I am declining to activate this card and am filing this complaint to make a record of how hollow, manipulative, and unaccountable this settlement process has become. This is not consumer protection. Its corporate self-interest dressed up as justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

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 Balance : {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XX/XX/XXXX Open Date XX/XX/XXXX XXXX XXXX Balance : {$2600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 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 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 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed the XXXX account with TransUnion on XX/XX/year>. As of XX/XX/year>, they had not received any results from the furnisher. Under the Fair Credit Reporting Act, if an account can not be verified within 30 days, it should be removed. However, the account still appears on my credit report. I called TransUnion and was not offered a resolution. Im requesting that the account be deleted immediately, or that TransUnion be held accountable for failure to follow FCRA guidelines.

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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I financed an {$88000.00} solar panel system through GoodLeap in XXXX. The contractor, XXXX XXXX XXXX XXXX XXXXXXXX, installed the system but never activated it. On XX/XX/year>, their team also punctured a pipe on my roof, causing damage that remains unrepaired. 

Despite the system being completely non-functional, GoodLeap continues to charge me, and the loan balance has grown to over {$93000.00}. Ive filed a dispute under the FTC Holder Rule and submitted a complaint to the Texas Attorney General ( XXXX ). 

I am requesting that the loan be canceled or resolved, as I have paid thousands with no benefit and the contractor has vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The Law Office Suttell & Hammer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXemail iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere was a telephonic and emailed notification of a change of address for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not  be authorized to receive\nlegal documents or legal notices and or legal service at this Address.\n\nb. All further correspondence and legal documents, or legal notices and or service, will be sent to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Law Office Suttell & Hammer 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 No Validation of debt was provided by the Law Office Suttell & HammerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as requested in documents. (Please see Exhibits marked C)\n\n d.The Law Office Suttell & Hammer XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. Used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge by filing a complaint attempting service in a state and at an address I no longer reside at.  This unlawful deception was attempted after notice of my change of address. was given to The Law Office Suttell & Hammer 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I cant overstate how overwhelming and exhausting this situation has been. I was blindsided by a debt I know nothing aboutunverified, not mineand now Im being harassed through every possible channel, including threats of legal action. As someone who follows the law, this is not only insulting but a clear violation of my rights as a consumer. This has seriously affected my mental health, and the stress has left me sleepless for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. 


I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information. 

Disputed Item ( s ) : Creditor/Account Name : XXXXXXXX XXXX Account Number : XXXX Nature of Dispute : Reinvestigation proof not provided.

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 2025-05-28 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: MI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. 


I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information. 

Disputed Item ( s ) : Creditor/Account Name : XXXXXXXX XXXX Account Number : XXXX Nature of Dispute : Reinvestigation proof not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am disputing the validity of a debt reported by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX. This account originated with Navy Federal Credit Union and was charged off on XX/XX/XXXX. XXXX XXXX purchased the account on XX/XX/XXXX, and began reporting it as a new collection, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

The date of first delinquency was XX/XX/XXXX, as confirmed by XXXX in their letters. Under the FCRA, the original delinquency date must remain the same even when a debt is sold. The account should no longer be reported past 7 years from that date, meaning it should fall off by XX/XX/XXXX. 

In addition : I did not receive proper written notification of the debt within 5 days as required under the FDCPA. 
I exercised my right to dispute and request validation, but they continue to report the account as disputed by consumer without removing it. 
They confirmed that the statute of limitations to sue has expired in Virginia, but continue to report it in a way that makes it appear collectible and active. 

I am requesting the complete removal of this account from my credit report, as it has surpassed the statute of limitations for legal collection and is being inaccurately reported under federal law. Please hold XXXX and XXXX accountable for continuing to report this debt in a way that misleads creditors and affects my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief