vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
XX/XX/year>, we had some financial difficulties- made payment XX/XX/year>, still were struggling and didnt make a payment this month XX/XX/year>, still struggling, no payment XX/XX/year>, still struggling, no payment XX/XX/year>, still struggle and already months behind. Filed for assistant and was denied. 
XX/XX/year>, we have called several times each with no help, wont take any payments unless its what owed which is {$6500.00} and some change. 
We called and get hung up on and have dealt with very rude representatives. Keep being told to wait and wait, which in return is just putting us more and more behind. We have tried finding other ways to help, but we have no help nor the money to give em. They wont take what we have saved. We got new home owners insurance because that went up and we needed a cheaper one to see if thatll help. Our mortgage is going through an analysis to see what happens with this change. 
I spoke with several representatives with NO assistance, in the last 2 months. We are getting closer and closer to foreclosure and all they keep doing is making us wait which isnt helping nor are they with any options to help us achieve this hardship. 
I am filing because we need help and they arent willing to do so, and we are running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: MO

Complaint narrative:
XXXX, a subsidiary of TransUnion, is reporting the same inaccurate, obsolete, and misleading tradelines that TransUnion has repeatedly marked as fraud in my consumer file. This includes accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, and XXXX XXXX XXXX XXXX  .

Despite my multiple written disputes and attached supporting documentation ( dating back to XX/XX/year> ), XXXX continues to display the same accounts, balances, and dates without proper reinvestigation. Since XXXX and TransUnion share data ownership and systems, this shows a willful failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a violation of the reinvestigation requirements under 1681i.

This is not a case of identity theft or fraud it is a pattern of internal data duplication and false designation between TransUnion and its subsidiary, XXXX. This repeated conduct appears willful and negligent, and it continues to damage my creditworthiness despite clear proof of inaccuracy.

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 2025-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Missing payment counts from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 

I contacted them multiple times, submitted a reconsideration request, ask for a supervisor call back and nothing. 

Contacted local congressman and they said they would update this by XXXX XXXX, they were aware of an issue, etc. and still nothing. 

If they are forgiven by end of this year, then it would be tax free.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 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: MD

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries that not mine and do not belong 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 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal and unequivocal demand for immediate investigation and removal of the following inaccurate and defamatory tradelines from my credit file. Under FCRA XXXX ( b ) and 15 U.S.C. XXXX, you are required to block and delete information that results from identity errors or is otherwise inaccurate within XXXX ( XXXX ) business days of receiving a bona fide dispute. Failure to comply will result in litigation for willful violation of the FCRA, statutory damages, and attorney fees. 
Disputed Accounts : XXXX. XXXX XXXX Account ending inXX/XX/XXXX Reported as Collection/Charge-off. XXXXXX/XX/XXXX XXXX Account ending in XX/XX/XXXXReported as Collection/Charge-off. XXXX. XXXX XXXX Account ending in XX/XX/XXXX XXXX Reported as Collection/Charge-off. 
These entries are incorrect, misleading, and injure my reputation and creditworthiness. 
You have previously been alerted that records under the names XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX may be affected by misidentification. Under 15 U.S.C. 
XXXX ( a ) and related provisions, you must block reporting of identity-error information within XXXX ( XXXX ) business days. Reporting obsolete, unverified, or inaccurate information violates XXXX ( b ) and subjects you to statutory and actual damages under 15 U.S.C. XXXX and XXXX. 
If these accounts are not permanently removed and I do not receive written confirmation of deletion within XXXX ( XXXX ) business days from the date above, I will commence legal action without further notice. This includes claims for willful and negligent violations of the FCRA, state-law claims, and requests for statutory damages and attorneys ' fees. 
Sincerely, 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 2025-10-25 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: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company send me a letter dated XX/XX/XXXX that they were closing my account as they could not reach me by phone to verify possible fraudulent activity. They never tried to contact me ( i double checked my call records ) and they closed my account and did not provide any solutions to reinstate the card. I had over {$200.00} in rewards as well that I was not able to redeem. They refused ro provide any answer to why my card was closed, a solution to reinstate the card, and they took away my rewards which were earned

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 2025-10-25 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: MD

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries that not mine and do not belong to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: NC

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 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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Reporting Capital One Account Dear XXXX  Dispute Department XXXX XXXX am writing to formally dispute the accuracy of a Capital One account listed on my credit report as a charge-off. The account appears under my credit file with the following details : - Creditor Name : Capital One - Account Type : Revolving Credit Card - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Reported Balance : {$620.00} - Pay Status : Charge-off - Last Payment Made : XX/XX/XXXX - Date Updated : XX/XX/XXXX I am requesting a reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ). I believe the charge-off status may be inaccurate or incomplete. Specifically, I am asking that you verify the legitimacy of the charge-off designation, the balance reported, and the payment history. If Capital One can not verify the accuracy of this information, I respectfully request that the account be corrected or removed from my credit report. 

Please find enclosed a copy of my government-issued ID and any relevant documentation to support my dispute. I ask that you complete your investigation within the XXXX window required by law and provide me with written confirmation of the outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Financial Asset Management, Inc.
State: OK

Complaint narrative:
XXXX sent an employment verification to my place of employment, which would be okay if it went directly to my boss or HR. Instead they sent the employment verification to my entire team with the last XXXX of my social security number in the email. They could have contacted my place of employment for the correct email or even contacted hr directly. I did not provide them with this email, so they had to have researched and found it. I am floored as to why they would not send it directly to the correct individual instead of giving out my private information to at least XXXX other people, none of which are the correct people to give employment verifications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-25 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: Harvard Collections, LLC
State: TX

Complaint narrative:
I filed a complaint against XX/XX/XXXXfor failing to honor my credit freeze. I reviewed my credit report again and they have placed a collection account back on my record with a date of XX/XX/year>2025. 
Harvard Collections I disputed this account and it was already removed. Not only did they put the account back but it is my belief it was done in willful retaliation to filing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: SC

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>2025, I opened a Citi XXXX XXXX Credit Card. Shortly after, Citibank placed both my XX/XX/XXXX card and my existing Citi / XXXX XXXX XXXX XXXX XXXX under account verification holds due to an internal system conflict between the XXXX products. 

As a result, my XX/XX/XXXXXXXX card was restricted for nearly XXXX months ( from approximately late XXXX to XXXX 2025 ). During this time, I was unable to use the card or access premium benefits, including Admirals Club lounge access, purchases, and any mileage-earning activity. 

Although Citibank later acknowledged the issue and refunded the {$590.00} annual fee for the XXXX XXXX card, they refused to refund the annual fee for myXX/XX/XXXXXXXX card, even though it was also directly impacted by the same system error. 

I made multiple calls to Citis customer service and cardmember support teams, but each time was told that the annual fee for the XX/XX/XXXXcard could not be refunded because the account is now active. This explanation is unreasonable, as I was unable to use the card for nearly XXXX months due to no fault of my own. 

I am requesting that Citibank refund the {$590.00} annual fee for the XX/XX/XXXXXXXX card and acknowledge that the service interruption was caused by their internal system issue, not customer action

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 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>2025, I was sitting in traffic in XXXX, Ga. XXXX men walked up to me in traffic, and robbed me. Initially I was trying to send money to a client and they watched over me through my car window and watched me type in my Cash App pin. Then then ran up to my window, snatched my phone and tried to Cash App themselves {$900.00} XX/XX/XXXX only XXXX payment went through. They then threw the phone at me, I immediately called the police and filed a report and tried to call support. Within XX/XX/XXXXI called support because there was no refund option. There shouldve been a XX/XX/XXXX pending option. I was robbed and filed a police report for robbery and assault and they will not refund me, this was very traumatizing, all I want is my money back. I even have request I sent to the recipient Cash App asking to refund my money so I dont press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is congruent dispute for XXXX separate cards the cards must be deleted off my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Kikoff Inc.
State: IL

Complaint narrative:
This is congruent dispute for XXXX separate cards the cards must be deleted off my credit account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XXXX, I initial applied the XXXX XXXX with XXXX point bonus. The application was not accepted so I told the phone representative to cancel my application. The application was cancelled and it did not processed. 

Few days later, there was a better offer of XXXX points so I applied again using the XXXX link from my Citi Relationship manager. The application got declined so I called reconsideration department. 

The reconsideration department told me they couldn't approve using the XXXX application I submit so they'll approve it using the previous cancelled application. But at the same time they told me I could get my additional XXXX points by calling back the customer service explain my situation. Because the promise, I continue the application. 

But after the card got approved, I have contacted Citi by calling, email, and through my Citibank Private Client relationship manager several time and got declined for my XXXX points that I was supposed to get. I am very mad that I was lied about the situation. If I was told that I couldn't get the XXXX points, I would have just wait more time until the XXXX points offer show up again like now. Instead Citi rep just lied and told me I could get full XXXX points just by approve the card and get the additional XXXX. 

Please check the voice recording of my application reconsideration and listen how I was promised the additional XXXX points.

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I had a bank account with Navy Federal and I purchased something that was {$1200.00} and I never received my product and I called Navy Federal. They gave me credit for me not receiving it until they investigated it. Well I never got my merchant dice shipped to my house in Navy. Federal said that I owed them {$1200.00} because they gave me credit for the merchandise that I bought, and when I called them and asked them about it, they told me that the investigation was going on so they were gon na credit my account they credited the account and then a couple days later they tried to say that I owed them, but I never received the engine for my vehicle from the merchandise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation