vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
I was the victim of a scam XXXX  card transaction on XX/XX/year> in the amount of {$1000.00}. I contacted Citi within XXXX hours of that transaction to report the fraudulent charge, dispute the transaction, and cancel my XXXX  card. I was not contacted by Citi again until XXXX when I received a letter stating that they closed the dispute and I was responsible. Citi had never asked me for information prior to that letter. I immediately contacted Citi upon receipt of that letter on XX/XX/year> and provided all information requested of me between XXXX XXXX. 
On XX/XX/year>, I received an email from Citi that it had asked the merchant to provide a response to my dispute. I emailed and requested that I be provided a copy of any information received from the merchant. When the merchant responded on XX/XX/year>, I again requested a copy of that information. Instead, Citi closed the dispute again, stating that the merchant provided a policy that stated the charge was nonrefundable. Because it was a scam charge, no policy was provided to me, and likely does not exist. I asked for the merchant 's information again on XX/XX/XXXX and XX/XX/XXXX. Citi has refused to provide me any information relating to my dispute or its investigation. It also did not consider that I never actually received a service relating to the {$1000.00}, and had to pay for the service in full ( receipts were provided to Citi and are attached here ). 
Citi 's investigation process is prejudicial to cardholders/consumers because it provides XXXX transparency, fails to promptly communicate or notify the cardholder of any activity or insight into its decision-making, and accepts an alleged response from a scammer as a basis to close a dispute and make its customer responsible for a significant charge. Essentially, Citi 's dispute process sets the cardholder up for failure when submitting a transaction dispute involving a scam charge. All written communications with Citi and relevant submissions are attached here.

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 2025-07-22 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:
I was completely unaware of these transactions, which may be unauthorized. Kindly look into this immediately. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 recently identified an account listed on my credit report that I did not open, authorize, or consent to. I am confident that this account is the result of identity misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, excess payment was charged by MOHELA. Instead of being charged {$230.00}, I was charged {$1400.00} in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Which is an additional {$1200.00} was changed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It took XXXX  months to try and revert back to payment of {$230.00}. However the excess payments changed have still not been refunded. On XX/XX/XXXX requested refund of the excess payment charged by MOHELA, a total of {$3700.00}. It was told it would take XXXX business days to process this request. As of today it has been XXXX business days and I am yet to receive the refund. Multiple escalations have been made with MOHELA but have not received refund yet. - Case # XXXX - Ticket # XXXX - Escalation XXXX ) # XXXX - Escalation XXXX ) # XXXX - Escalation XXXX ) # XXXX. Please help me receive the refund for the excess payments that were unfairly charged by MOHELA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I would like to see a detailed breakdown of the cost that went into the solar system installed. Cost of XXXXXXXX XXXX XXXX and installation. Not only the total of what was financed. 
I believe they charge hidden fees and upcharge me more than what it's worth. 
XXXX won't provide that information. Ive have called an email " XXXX '' from my last complaint. " XXXX '' doesn't respond to his emails or calls. Majority of the time calls go to voicemail. 
As XXXX XXXX  XXXX is out of business and I learned more of the predatory lending that XXXX finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
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 2025-07-22 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:
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 2025-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I enrolled in XXXX debt resolution program on XX/XX/XXXX. One of the enrolled accounts was with XXXX XXXX XXXXXXXX. I submitted collection notices in XXXX and XX/XX/XXXX and uploaded the summons in XXXX. Despite this, Americor failed to take meaningful action on the account. 

In my Americor client portal, the XXXX XXXX XXXXXXXX account has been listed as In Negotiation with a message stating it is a Top Priority and that Americor is working with the creditor to settle it as soon as possible. This is misleading. When I contacted Americor, I was told they could not begin negotiations unless I deposited over {$12000.00}, which I can not afford due to financial hardship. I was also told by one of their customer service representatives that if the court scheduled a hearing, I would need to attend it myself because they would not negotiate until the account was fully funded. This made it clear that I was being left completely unrepresented despite being enrolled in their program. 

I was never informed that this account was not being handled or that it was at risk of legal action. As a result, I received a lawsuit from XXXX XXXX XXXXXXXX and had to respond to the court on my own. Americor repeatedly told me they were escalating my case but I never heard back from anyone. I eventually had to contact the collector myself and am now trying to resolve the account directly. 

Americor is still charging me as if the XXXX XXXX XXXX account is active in the program, even though no negotiation ever occurred. I feel misled, unsupported, and financially harmed. 

This experience has left me exhausted, overwhelmed, and more stressed than before I joined the program. I enrolled with Americor to get relief from debt and support during hardship instead, Ive had to represent myself in court, chase customer service for weeks, and still face fees for a service that failed me. This has taken a serious toll on my mental health and financial stability. 

I am requesting : Written confirmation that the XXXX XXXX XXXX account has been removed from the program Fee adjustments to reflect that Americor failed to act on this account A full review of how my case was handled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX, I received a phone call from American Collection Services stating that I had an outstanding balance that needed to be paid. After explaining my situation, that Ive been able to dispute a similar charge, and even offered payment within my budget, the representative I was speaking with became aggressive and stated that it was past time to dispute these charges and that my offered payment was below the threshold. She proceeded to tell me what I was allowed to pay in order for my account to be considered acknowledged ( she used a different term, but I cant remember what it was ). When I explained that we dont have that kind of money now and we arent able to make another payment that high consistently, she proceeded to hound me about when our finances stating that you know when you get paid, so just tell me when I get set up for the payment to be withdrawn! She also asked if my husband was the money maker and if she could speak with him instead. When I began to become upset with the situation, I explained that I was at home taking care of my children and asked if I could call her later so I didnt have to care for my children in a frustrated and overwhelmed and panicked state of mind, she ignored my requests and continued hounding me for payment. Upon this behavior, I ended the call. To clarify, she refused my right to dispute, and when I tried to accommodate her within my budget, she also refused and tried to make me pay more. 

I dont remember the reps name at this time as she said it very quickly and unclearly at the beginning of the call before she jumped into explaining the reason for her call. The number she called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Numerous attempts have been made to file disputes on an incorrect charge back showing on the three credit bureaus experian, TransUnion and equifax for an open sky account with a delinquent balance or {$160.00} dollars which they refuse to remove from my credit report upon doing my own research they had numerous addresses listed under my name which I have ever lived in or have anything to do with in which they acknowledged that and granted my disputes on those addresses but refuse to remove the charge back on the delinquent account named above which I am sure had something to do with those incorrect addresses listed under my name this situation is really hindering my credit and opportunities and it is against the law please see that attached proof and of the incorrect addresses that were acknowledged and removed from my credit profile but they continue to negligently deny my dispute on a account I have no knowledge of just as the addresses. They also had my name spelled in four different ways that were incorrectly spelled under my name also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This letter is to report the presence of unauthorized hard inquiries on my credit report. I have never engaged in any business or credit application that would require such access to my credit file.

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 2025-07-22 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-22 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: CA

Complaint narrative:
I am reporting XXXX XXXX XXXX for attempting to collect a debt I do not owe. I never received any written notice or debt validation as required under XXXX XXXX Code XXXX ( FDCPA ). They are reporting a {$380.00} XXXX XXXX XXXX collection account to TransUnion without providing proof of ownership or contractual obligation. I requested validation and received no documentation. This is a violation of my consumer rights under the FDCPA and FCRA. I am requesting immediate deletion of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
Info on my accounts keeps coming back as accurate. They r not being investigated. A lot of info is incorrect. Wrong address. Account amounts are in correct.ive disputed these items several times in the last few months..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
Info on my accounts keeps coming back as accurate. They r not being investigated. A lot of info is incorrect. Wrong address. Account amounts are in correct.ive disputed these items several times in the last few months..

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 2025-07-22 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:
This is a follow-up to a previously closed CFPB complaint ( # XXXX ). I originally disputed a collection account from XXXX XXXX XXXX that I do not recognize, allegedly tied to XXXX. I sent formal disputes to Equifax, XXXX XXXX XXXX in XX/XX/2025, requesting a full reinvestigation under FCRA 1681i and debt validation under FDCPA 809. 

My requests included : A signed contract or original agreement Proof of assignment from XXXX to XXXX XXXX XXXX statement of charges Proof the debt is still within the statute of limitations in Texas Equifax responded with a generic verified result, without providing any of the documents requested. They also failed to explain their reinvestigation or show that they ensured the accuracy of the data, which violates FCRA 1681e ( b ) and 1681i ( a ). 

If they can not verify ownership, validate the debt, or show legal authority to report it, the account should be permanently deleted. Continued reporting without proper validation may also constitute re-aging or misrepresentation under FCRA 1681c ( a ) ( 4 ) and 807 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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