vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This issue has been in dispute since last XXXX and remains unresolved. Due to my opponent 's lack of good faith and ill will towards me, I find their responses unacceptable and unsatisfactory. Consequently, I am compelled to launch my complaint once again. 

The major issue is this : my opponent 's abusive act against their customer who falls into a disadvantageous situation financially, as specified as follows : My opponent 's actions involve abusive practices targeting financially disadvantaged customers. This will be further explained in the discussion. 
In XXXX, my account was closed and not renewed, despite my compliance with the minimum payment amount and adherence to the established rules. 
Even after the finalization of the account closure, they continued to pile on interest charges and various fees, causing the balance to swell relentlessly, inching higher and higher like an unstoppable tide. 
During my phone conversation with the customer service team, I mentioned that I had experienced a similar situation with other credit cards, including CITI Cards, where I only paid the minimum without facing account closures. I inquired about the rationale for the closure of my account. In response, a female representative exhibited an aggressive demeanor, and in her loud and confrontational voice, asserted, " I don't care what others do ; we can do whatever we want to do with our customers by law, and you can not argue with us. '' This exchange revealed that their practices are characterized by abusive, unethical, unprofessional, and harmful behaviors, which is entirely unacceptable. It is imperative that all business operations adhere to standards of accountability.

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was checking my credit score yesterday ( XX/XX/XXXX ) because I review my score once a month or so and I noticed my score dropped significantly. When reviewing I saw I had a collection added to my account in XX/XX/XXXX. I reviewed the collection because I was confused as to why I had one and the details said it was from XXXX  XXXX. I do not have any active or past account with XXXX  XXXX nor have I ever created an account with them. I am unsure how this got attached to my name because again, I have never had anything to do with XXXX  XXXX personally. My first and only apartment lease in Nevada started in XXXX of XXXX  and the XXXX  account is my roommates name, not mine. He has had his XXXX  XXXX account since that date and we haven't moved since. I also have never been contacted regarding anybody 's XXXX  XXXX account, not a single phone call or email. 

The balance on the collection is {$2400.00} The account was opened in XXXX of XXXX  and sent to collections in XXXX of 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 2025-05-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX company has reported my closed business account to my personal credit account. They purchased my credit card debt from XXXX, who closed and discontinued their XXXX XXXX XXXX with no warning. They purchased the debt from XXXX, and then did not contact me regarding any collection. XXXX XXXX illegally then reported this business account to my personal 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 2025-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. I have disputed these loans with XXXX, Experian and XXXX all have not done anything.

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 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. I have disputed these loans with Transunion, XXXXn and XXXX all have not done anything.

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 2025-05-18 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: TX

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. I have disputed these loans with XXXX XXXX and Equifax all have not done anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I requested how to get income driven repayment and was continuously lied to and denied information and access to that loan servicing option from XXXX through XXXX by NAVIENT. I tried every month and finally my loan servicer was changed to XXXX XXXX. Finally after years of trying I instantly got that repayment option as soon as the loan was transferred. I am not seeking payments or financial amounts, however, my time listed as in repayment should be amended to reflect that I was in repayment since XXXX, since I was consistently lied to and denied that repayment option. Each month when I called the customer service line, the person on the phone would tell me that there was no way I could get income dependent repayment. The website would not let me complete an online application, it would route me to the phone customer service agents. It was maddening. I want credit for the years that NAVIENT wasted my time and lied to me. I want some kind of letter admitting that I was denied income driven repayment for those years, so that I get credit towards repayment in the student loan servicer 's system. In XXXX XXXX XXXX  transferred my loan servicing again, this time to XXXX. I am still in repayment but in XXXX years from the start of continuous payment the loan is forgiven, and I want credited to my time those years that NAVIENT screwed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: KY

Complaint narrative:
Im filing a complaint against XXXX XXXX XXXX XXXX for continued inaccurate reporting of a sold account. 

This account was sold to a third-party debt buyer, who is now reporting it as a collection. Despite this, the original creditor continues to report a balance due, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Not only is this misleading and damaging to my credit profile, it also creates the false appearance of two debts being owed for the same account. This constitutes duplicate reporting and is both unfair and unlawful. 

I previously filed a dispute with the credit bureaus, and the account was verified without addressing the clear FCRA violation of inaccurate balance reporting. Since the original creditor no longer owns the debt, they should no longer be reporting a balance at all nor should the account be on my report. 

Im requesting that the CFPB investigate and instruct XXXX XXXX XXXX XXXX to completely remove this account from my credit report due to its inaccurate and misleading nature. 

Supporting documentation can be provided upon request. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : OFFICE OF THE ATTY GENERAL Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Not Provided These accounts have directly violated my rights to privacy, in accordance with 15 USC 1681 section 602 A. Furthermore, 15 USC 1681 section 604 A states that a consumer reporting agency can not furnish an account without my expressed written instruction.

15 USC 1681c ( a ) ( 5 ) 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 and crimes which ante-dates the report by 7 years 15 USC 1681s-2 ( a ) ( 1 ) states, ... A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : OFFICE OF THE ATTY GENERAL Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Not Provided These accounts have directly violated my rights to privacy, in accordance with 15 USC 1681 section 602 A. Furthermore, 15 USC 1681 section 604 A states that a consumer reporting agency can not furnish an account without my expressed written instruction.

15 USC 1681c ( a ) ( 5 ) 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 and crimes which ante-dates the report by 7 years 15 USC 1681s-2 ( a ) ( 1 ) states, ... A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-05-18 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: PR

Complaint narrative:
Payment History Doesn't Match Delinquency Accounts Doesnt Match All 3 Of My Balances Are Wrong On My Credit Report And Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: PR

Complaint narrative:
Payment History Doesn't Match Delinquency Accounts Doesnt Match All 3 Of My Balances Are Wrong On My Credit Report And Inquiries.

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 2025-05-18 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: NJ

Complaint narrative:
I disputed an account, XXXX XXXX XXXX * XXXX with equifax, and they reported that it was verified by the collection company. I reached out to the collection company, and now they reported that they have no information on file for me. 

Now, equifax is reporting the same account twice on my reports with XXXX different collection agencies. 

XXXX XXXX XXXX * XXXX - They have no information on me XXXX XXXX XXXX * XXXX Completely ignored my demand for validation So, who did equifax verify this with?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
On or around XX/XX/, I ordered a Cash App debit card. It was marked as shipped with an estimated delivery date of XX/XX/XXXX, but I never received it. Despite following all in-app instructions to report the card missing or reissue a new one, I encountered repeated technical errors and was locked in a cycle of failed app responses. 

I contacted support multiple times over several weeks, providing full documentation, screenshots, and timestamps. However, support continuously gave me copy-paste answers, ignored previous messages, and refused to escalate the issue. I was asked to enter card details I never received, and every attempt to request a manual override or Tier 2 escalation was either closed or ignored.

I finally had to threaten legal action and escalate externally before they issued a replacement cardafter weeks of obstruction. The behavior I experienced constitutes a serious failure in customer service, product fulfillment, and complaint resolution. The system was designed to trap and deflect rather than assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NJ

Complaint narrative:
XXXX XXXX misrepresented the delinquency status of my account while I was actively engaged in a debt management plan ( DMP ) through XXXX XXXX XXXX ( XXXX ). Several months after initiating the DMP, XXXX conveyed that my account was current, despite the fact that it was already over 30 days delinquent at the time. This representation, which was confirmed on multiple recorded calls, including both general support and case-specific transcripts, remained consistent through XX/XX/year>. 

Relying on that information, I submitted a payment in good faith on XX/XX/year>. After the payment was processed on XX/XX/XXXX, XXXX reversed its position and reported the account as XXXX  days delinquent, citing late payment. This sequence of events fueled by XXXX  material misrepresentation induced detrimental reliance, disrupted coordination between XXXX, XXXX, and me as the consumer, and directly resulted in inaccurate and damaging credit reporting. Had the true status of the account been accurately conveyed, I could have taken timely action to prevent the derogatory mark. 

When I attempted to dispute the reporting, I was informed that XXXX does not provide written responses regarding credit reporting disputes, does not investigate or acknowledge errors originating from its own internal systems, and offers no escalation process. This effectively blocks consumers from correcting known inaccuracies, in direct violation of the Fair Credit Reporting Act ( FCRA ), and reflects a deceptive and obstructive dispute-handling policy.

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 2025-05-18 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. I have disputed these loans with XXXX XXXX and XXXX all have not done anything.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My account was overdraft for less than 30 days, and my account was closed. USAA informed me that they will proceed to hold my money from now unitl 60 days plus 10-14 business days. Furthermore, told me they would send me my property in seperate checks through the U.S. postal mail.

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 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
An account recently appeared on my credit report without any prior notice or opportunity for verification. I disputed the entry, and while it was removed by some credit reporting agencies, two others have kept it. I never received any communication regarding this debt, and when I contacted the collection agency listed, they claimed to have no record of the account or details about the debt they are attempting to collect. Despite this, the account remains on my report and has significantly damaged my credit score. Ive also started receiving calls, but the representatives are unwilling to verify the debt or provide any helpful information. This same situation happened a few years ago at that time, the account was removed from all of my credit reports. Now its reappeared with a new, more recent open date, which feels deceptive and potentially illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. Now, after the company ceased operations on XX/XX/year>, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accounts. Those of the recipients as if we had committed fraud, even though there is clear evidence like chats, payment records, transaction IDs proving that these payments were made willingly by the senders and that they used the platform and received money from it. There's too people on social media and chats inciting and promoting to do these chargebacks and people have been misinformed by those who want to do us harm. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer to peer, and our role was solely to receive the funds and help them send their money to their account on the platform as they could not purchase cryptocurrency at the moment since their bank or credit card declined, or could not send the cryptocurrency through PayPal since it has a 2 day verification to send to external wallets.

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

I am available to provide supporting documents, testimonies, and further explanation.

Company response to consumer: Closed with explanation