vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to my request for a 1099C, Citibank NA stated in writing that it does not issue such 1099C 's even after charging off a debt 3 years ago. Citibank takes the position that it has no obligation pursuant to 26 C.F.R. 1.6050P-1, even though Courts have consistently said they do. [ T ] he plain language of [ 26 C.F.R. 1.6050P-1 ] leads us to conclude that filing a Form 1099-C is a creditors required means of satisfying a reporting obligation to the IRS, nor is it required only where an actual discharge has already occurred. FDIC v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The filing of a 1099C is a mandatory " reporting requirement, '' and it is unlawful to withhold it as a tool to attempt to collect a debt. The practice ( and pattern ) of wrongfully withholding 1099C 's as a way to exert leverage on borrowers for collection purposes is at the very least a violation of IRS Regulations, and likely much worse. A lender who intentionally disregards the requirement to file Form 1099-C may face a penalty of {$660.00} per form or 10 % of the required reporting amount, whichever is greater, with no maximum limit. Penalties for late filing, even without intent, range from {$60.00} to {$330.00} per form depending on how late the form is filed.

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 2025-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-15 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account 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 2025-07-15 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: IN

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX. This is a follow-up complaint associated with my open case numbers : XXXX and XXXX re Carrington Mortgage LLC. This complaint is in response to Carrington Mortgage 's Explanation regarding the XX/XX/XXXX Unapplied Mortgage Payment of {$3200.00} on my mortgage account. 

My XX/XX/XXXX mortgage payment in the amount of {$3200.00} was inexplicably held in " unapplied '' status with Carrington Mortgage for nearly four years. In XXXX, I hired an attorney ( Attorney XXXX XXXX ) to assist me with having said funds either returned to me or go towards a month 's mortgage payment. Carrington refused to move said funds from " unapplied '' status. I find Carrington 's justification in their response to the NYS Attorney General 's Office to be inadequate, misleading, and unacceptable, and I am requesting your office to hold Carrington Mortgage accountable for their wrongful actions.

It is well documented that Carrington Mortgage repeatedly engaged in misleading, victimizing, holding onto funds, and taken advantage of thousands of their customers such as I, during the Covid-19 pandemic. I am requesting to be fairly compensated for the financial and emotional distress caused by Carrington Mortgage 's mishandling of my funds, as well as for the interest accrued during the period these funds were unjustly held. I have outlined my concerns and position in the attached letter. 

Thank you for your continued advocacy in this matter. I am hopeful for a just and swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
Possibly out VA statute of limitations and falsified court documents to obtain a judgement to collect on unsubstantiated debt claims from 15+ years ago. XXXX XXXX is known for falsified documents and when I spoke to them many many years ago, they didnt provide any evidence to prove any debt being owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am refiling this complaint because PayPals response to my original CFPB complaint ( Case # XXXX ) failed to address the core issue and was based on an incorrect dispute classification. 

I paid {$2200.00} via PayPal for round-trip airline tickets from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Due to pending ARC ( Authorization to Return to XXXX ) XXXX restrictions, I was legally prohibited from transiting through XXXX, as confirmed in writing by the XXXXXXXX XXXX. The service I paid for could not be used and was never rendered. 

Despite submitting all relevant documentation, PayPal incorrectly classified this as an item received as described dispute and denied my claim on that basis. This is a clear case of services not received, which is covered under PayPals Purchase Protection policy. 

I provided : Email from XXXXXXXX XXXX confirming legal inadmissibility ARC processing time exceeding 12 months Proof of ARC application Full flight itinerary Correspondence with XXXX XXXX refusing refund A formal demand letter from my attorney PayPal has refused to escalate or review under the proper category and ignored my good faith attempts to resolve the matter. 

I am requesting : A full refund of {$2200.00} A formal review of PayPals misclassification and dispute handling Clarification on why arbitration was not offered, as required in their own User Agreement Ive attached a 1-page summary and full documentation package previously provided to PayPal and the XXXX  ( Complaint # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
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 XXXXXXXX TX XXXX ACCOUNTS : 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 : {$510.00} XXXX 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 : {$3700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} 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 : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: MI

Complaint narrative:
They gave me a XXXX XXXX  XXXX  that was suppose to be a new car. The transmission went out and Im not on the recall list. Even though the same thing thats wrong with my car is the same thing thats on the recall list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MO

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 Trafficking-Debt 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 2025-07-15 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: GA

Complaint narrative:
I am filing a complaint against Experian for inaccurately reporting information on my credit report regarding XXXX XXXX account # XXXX. This account is being reported with repeated monthly charge-offs, which is misleading, inaccurate, and a violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2, 1681e ( b ), and 1681i. 
I initially disputed the account with Experian on XX/XX/year>, and followed up with additional disputes on XX/XX/year>, and XX/XX/year>. I also submitted a formal dispute via certified mail directly to XXXX XXXX. To date, all of my efforts to resolve this matter have been ignored. 
Despite being listed as charged off, I have not received a 1099-C cancellation of debt notice, which further supports that the reporting is not only inaccurate but potentially deceptive. Experian has failed to conduct a reasonable reinvestigation and continues to furnish erroneous information that is negatively impacting my credit. 
I am requesting the immediate deletion of this account from my credit report, as it is being reported inaccurately and in violation of my rights under federal law.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: VW Credit
State: FL

Complaint narrative:
Fraudulent Auto Loan Application Misrepresentation of Identity and Information To Whom It May Concern : I am writing to formally report a case of identity manipulation and material misrepresentation tied to an auto loan originated through XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ) and financed by Volkswagen Credit on XX/XX/XXXXXXXX 

Upon reviewing the loan documentation, I discovered several serious discrepancies which indicate that the application was submitted without my full knowledge, consent, or accurate personal information. The individual involved in collecting my documentation and facilitating the financing was XXXX XXXX, the current Finance Director at XXXX XXXX. 

Incorrect Drivers License Number : The loan application lists a drivers license number that does not belong to me. It matches that of another individualmy former partner. However, the residential address listed on the application was copied from my own valid drivers license. This blending of personal data from two individuals ( my name and address with another persons ID number ) is clear evidence of identity manipulation and renders the contract invalid. 

Falsified Residence Information : The application does not reflect my actual residence at the time of purchase. The address shown was taken from my license, which my former partner also shared as a place of residence, but the license number used was hers, not mine. My full and accurate living situationincluding financial responsibility for rentwas never disclosed or recorded. 

Misrepresentation of Earnings : I was not asked to provide a W-2. However, I do have a verified pay stub dated XX/XX/XXXX, which shows my year-to-date income. This record demonstrates that the income reported on the loan application was significantly inflated beyond what I actually earned. I was not informed of the income amount being submitted on my behalf, nor did I consent to any false financial representations. 

Submission Without Consent : The dealership submitted a credit application that misrepresented my identity, financial status, and living situation. I did not authorize the use of another individuals license number, nor did I approve the submission of an application using inaccurate or blended information. The presence of my address alongside someone elses identifying number is a critical red flag, and it suggests deliberate manipulation to force loan approval. 

These actions, under the direct oversight of XXXX XXXX, raise serious legal and ethical concerns. I believe this loan was originated using deceptive practices, in violation of laws governing consumer protection, truth in lending, and identity use. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation
State: PR

Complaint narrative:
I financed a solar system through Sunnova under contract # XXXX. Sunnova charged me for a cash price of {$110000.00} but my installer invoiced only {$86000.00}. Sunnova refuses to explain or provide any breakdown, and refers to a non-existent XXXX  production agreement. I suspect misrepresentation and abusive lending practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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: FL

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account XXXX : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief