vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Unexpected point devaluation on U.S. Bank Altitude Connect card Details : I redeemed XXXX points from my U.S. Bank Altitude Connect Visa Signature Card, expecting {$31.00} based on the long-standing redemption rate of XXXX XXXX  per point. However, I only received {$25.00}, which means each point is now worth approximately XXXX XXXX 

U.S. Bank made this change without any clear notice or warning to me as a cardholder. I checked my account regularly and did not see any upfront communication or disclosure about the devaluation. This lack of transparency is misleading and unfair. I would not have accumulated or redeemed the points under these terms had I known in advance. 

I request that U.S. Bank clarify their redemption policies and restore the original value or compensate for the difference. More importantly, such significant changes should be clearly communicated to all customers.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I paid off one of my student loans on XX/XX/XXXX. The original principle was {$1200.00}. The total amount after interest was {$1200.00}. 

MOHELA removed this money from bank account but then " suspended '' the payment. It did not apply to any of my loans, which continued to accrue interest even though I paid the loan off in full. 

I have contacted customer service multiple times beginning on XX/XX/XXXX and have been met with unreasonable wait times of XXXX hours and speaking with service representatives who just hang up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: NH

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I reached a settlement agreement with this company and I paid as agreed on or about XX/XX/year>. The account was supposed to be deleted from all three credit bureaus but it was not. I have reached out to no avail. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My student loans were forgiven under the Public Service Loan Forgiveness ( PSLF ) program after 120+ qualifying payments and over 10 years of eligible nonprofit employment. According to federal guidance, any payments made beyond the XXXX required are eligible for refund. By my calculations based on the FSA 's payment tracker, I overpayed by 30 payments. 

Mohela has not issued this refund and I have not been successful in getting anyone on the phone at MOHELA, nor at the Department of Education. Despite the loan forgiveness being granted on XX/XX/year>. We have received no updates, and Mohela is not responding to phone calls or emails. Many borrowers in similar situations report that Mohela fails to submit refund requests to the Treasury unless repeatedly contacted. 

We are requesting assistance ensuring Mohela submits the refund request for overpayment immediately, and that the refund is processed in a timely manner. Please investigate this delay and ensure the refund process moves forward. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-14 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
These accounts may have been used to commit fraud or misrepresent my identity. I'm requesting an investigation for this matter and for appropriate action to prevent further misuse of my personal information.

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 2025-07-14 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: CA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} PARTNERS FED XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AR

Complaint narrative:
while on XXXX in XXXX XXXX XXXX XXXX, On XX/XX/XXXX a merchant ran my credit card ( Citibank Visa through Best Buy ) on their card machine twice to pay for T shirts told me that my card DID NOT WORK and was unable to purchase. after telling my Brother the same thing on his card. finially they accepted my wifes card for the shirts ( XXXX pesos {$40.00} ) As we were leaving the store we ALL recieved alerts on our phones about charges........ 
mine was {$460.00}. and {$520.00} from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) My brother also recieved a charge for the SAME AMOUNT {$520.00} from SAME place at the same time, but his card ( XXXX XXXX DECLINED it as FRAUD ) I have a copy of that text....... 
Then my wife got another charge on her card for {$800.00} not pesos. 
we all called our card companies within minutes and reported this and I told mine that it was a bogus charge and NOT to pay them. and they canceled my card and put it under review .................. 
My brother and wife card companies stopped charges and protected THEM, but after reviewing mine CITIBANK put the charges back on my NEW CARD ( {$980.00} ) and said that there was NO FOUL PLAY OR FRAUD.................... 
I have disputed this at least 3 different times and talked to many different agents and I only get passed around like a HOT PATATO ( not it... ) they say I gave them my card, which I did ........... But they told me it DID NOT WORK and did not charge it untill I left the store, How in the world is that not THEFT and FRADUALANT .............

I told them all the details and that I have 3 witness to this and still they said it is not FRADUALNT even after I CALLED WITHIN MINUITES and told them NOT to let that charge go thouh and the STOLE that amount and I recieved NOTHING in return........

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 2025-07-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Sent dispute letter to verify negative items and to provide proof of verification

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 2025-07-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I hereby formally demand the immediate and complete deletion of the account reported by XXXX XXXXXXXX ( account number XXXX * * * ) and Unauthorized Inquiries Reported by TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$86.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I review my credit report i trnasunion and I found this inquiries that I dont reconize I failed a FTC complain and identity theft report XXXXXXXX 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 2025-07-14 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: TX

Complaint narrative:
XXXX attempted to use my XXXX Credit card to make a down payment on installation of new cabinets for XXXX. Payment did not went through and was canceled per Marchant. A few weeks later we noticed that the payment did went through, we contacted the merchant,  he did not responded at that time. we have filed a Duplicate payment/Pay by other means dispute with CiTi bank. Subsequently we received an email requesting more information, we were only allowed to upload a maximum of XXXX  documents and we had multiple documents that is relevant to the case with no way to uploaded. Hence we were waiting on communication requesting more information. Next communication we received his by email stating that the case is close and Citibank took back to provisional credit. XXXX texted the merchant Stating we would involve the police if he did not return the duplicate payment. The merchant text back stating that he does not have the money was returned and send a copy of his bank statement Proving the money was returned to CiTi bank. XXXX do not understand why CiTi bank reverse provisional credit and close the case, Without making a reasonable effort to contact me to get remaining supporting document and  knowing the merchant did not charge our credit card. \n\nwe have submitted the contract, clear evidence that the contract has been fulfilled by other means, text messages from the merchant stating that this was a duplicate payment, Including bank statement from the merchant where the transaction was reversed. The claim was reopen without the provisional credit and a report was made to  the Credit Bureau that we are over the limit on our citi credit XXXX investigate; Case ID numberXXXX XXXX number: XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have been victimized by identity theft, and accounts appearing on my consumer report were created without my knowledge or written authorization. I never provided a wet signature or any form of consent for these accounts to be established or reported. These fraudulent entries have caused severe emotional and financial distress, creating an inaccurate representation of my credit history that has prevented me from achieving critical financial goals, including purchasing a home and providing for my family 's needs. The presence of these unauthorized accounts on my report has significantly impacted my creditworthiness and ability to secure necessary financing.

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 2025-07-14 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: DE

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation