vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
My loan servicer is Mohela. They transferred my loans to XXXX. I am trying to get loan statements from Mohela for the XXXX  years prior to the transfer. I am unable to get them from Mohela. They extremely difficult to reach when they transfer your loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: NC

Complaint narrative:
To whom it may concern, I am formally writing this complaint in regards to Meta, Inc 's. XXXX XXXX misleading policies in which has caused issues regarding monetization. Not only has XXXX  mislead me and many others but they also are not transparent on issues with someone's page and they tell you that there is nothing they can do on their end. As of current Meta owes me {$24000.00} in pending and processed fee 's that they have continued to withhold from me.

they owe me on two different payouts for my revenue. Below will be a break down payout 1 Page name : Work Problem Amount owed : {$5700.00} Withheld : XX/XX/XXXX transaction ID : XXXX ( performance bonus ) payout 2 Page Name : XXXX Amount owed : {$16000.00} withheld : XX/XX/XXXX Transaction ID : XXXX ( performance bonus ) Page Name : XXXX Amount owed : {$2000.00} withheld : XX/XX/XXXX Transaction ID : XXXX ( performance bonus ) Page name : XXXX XXXX  Amount owed : {$97.00} Withheld : XXXX XXXX Transaction ID : XXXX ( Ads on XXXX ) As of currently I am requesting that Meta release my funds immediately with a detailed explanation as to why they kept me funds and have no deposited them. I also request a Manuel review of the pages that they marked for not receiving a payment and I want their guarantee that this will not happen again. If things are not resolved immediately then I will forward this to the relevant state and federal agencies and will further pursue additional legal remedies that seem fit. 

Contact email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a checking account with CitiBank online on XX/XX/year>, because they offer a {$450.00} bonus if I deposit {$6000.00} in at least XXXX XXXX within the first 90 days of account opening. After opening the account, I deposited a total of {$6200.00} through XXXX to my Citibank checking account, from XX/XX/year>, to XX/XX/year>. Here is the date of each of my XXXX transfers : XX/XX/XXXX : $ XXXX {$490.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$250.00} Total : {$6200.00} On XX/XX/year>, when I was trying to sign in to my account, I found that my account got blocked. I can't sign in to view my balance or withdraw my money. I immediately called CitiBank on XX/XX/XXXX, and provided my information, such as full name, XXXX, XXXX, and they replied that they will review my account in XXXX hours due to detecting fraud activity on my account. On XX/XX/XXXX, I found that my account is still blocked, so I called them XXXX time and now they said that they can't do anything to speed up the review process. On XX/XX/XXXX, I called them the XXXX time, and they just said they still need XXXX hours to review my account. 

On XX/XX/XXXX, when I was trying to sign in to my account using my username and password, it showed " Your information doesn't match our records '' this time. 

I don't receive any email/phone call/text messages from CitiBank explaining why they XXXX my account. They just keep me waiting endlessly.

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 2025-09-13 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: NJ

Complaint narrative:
Re : XXXX XXXX XXXX Account # XXXX I am disputing the accuracy and completeness of the XXXX XXXX XXXX account reported on my TransUnion credit file dated XX/XX/XXXX. 

Your report lists my last payment date as XX/XX/XXXX, yet also shows late payments beginning as far back as XX/XX/XXXX. These entries are inconsistent and can not both be correct. If I was making payments through XX/XX/XXXX, then reporting 11 consecutive late payments for the year preceding that is either incomplete or inaccurate. 

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation of this discrepancy within 30 days and forward all relevant information to XXXX XXXX XXXX. 

Relevant case law confirms your duty : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A CRA can not merely parrot a furnishers response but must ensure accuracy. 

XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs and furnishers are liable for failing to reasonably investigate disputed information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers can be liable for failing to correct inaccurate information after being notified of a dispute.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide your Method of Verification : Who you verified the payment history with, What records or documents were used, Where the records originated, When the verification was performed, and Why you determined the reporting to be accurate.

If you can not substantiate this information, you must delete or correct the disputed items. Failure to comply will leave me no choice but to pursue all legal remedies available, including suit for willful noncompliance under 1681n or negligent noncompliance under 1681o.

Please provide : The results of your reinvestigation, A corrected credit report, and The name, address, and phone number of each furnisher you contacted

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Didn't provide the validity of debt and the ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete 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 2025-09-13 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: GA

Complaint narrative:
The investigation did not fix an error on my 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 2025-09-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a credit card with XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with {$460.00} balance. 
A XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with a {$2100.00} balance. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

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 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have had an Affirm account for a while ( at least a year or so previously ). The last purchase I made with affirm was XXXX of XXXX  and everything went through with no issues. It was an XXXX purchase. 

All of a sudden this year ( XXXX ), I tried to finance something else with my account and can no longer access my account. Whenever I try to verify my identity ( by sending in my passport photos, drivers license information, my photo ), it would say unable to verify your information. Any attempt to reset password or get in would be sent to someone elses email and address - not mine. 

I escalated the issue to their fraud department 10 days ago and they are still investigating it and are not able to provide me with any information. They keep sending me random emails saying they can not verify me in their system, that I can not obtain a loan with them - even though I am not trying to obtain a loan or create a new account ; I am simply trying to log into my existing account. They also advised me over the phone that they do not have any history of me having an Affirm account with them or making any purchases with them, which I know is not true and can prove that its not true. 

I strongly believe my information was compromised and my account was hacked or taken over by someone else. I already filed an FTC report and am taking every step to protect myself and get resolution to this. Affirm is not doing their due diligence to protect their customers personal information, to make sure the account is secure and can not be taken over by someone else, and to resolve sensitive issues effectively and efficiently. 

I need this matter resolved immediately. 
I am also contacting the headquarters to advise them of this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They used my information to open a credit card account with Capital One that I don't recognize.Date XX/XX/scrub> 2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was in XXXX attempting to purchase money orders to pay rent that is late 3 declined transactions of XXXX and change decline but then I was able purchase food at a self checkout go figure!!! then after I get home to check my account balance I am unable to log into my account giving me an error message .. so I called and talk to account rep that then transferred me to an so called account specialist who told me that for some reason my account is UNDER REVIEW!! And the SPECIALIST DID NOT KNOW WHY WHY?? I but she said I have to wait 72 hours and then call back!!!! DO NOT KNOW!!! I AM SO SICK OF CITIBANK INCONVENIENCING ME!!! SICK OF IT!! I WILL NOT CALL I got no texts no emails alerting me!!! Just blocked my account and my debit card!!!! I am now going to file another complaint with FDIC against Citi bank!!! I HAVE DONE NOTHING BUT TRY TO PAY BILLS AND CITIBANK HAS PREVENTED ME FROM DOING THIS FOR 72HOURS!!! I will be closing this account!!

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Dear Sir or Madam : I previously disputed items which you verified as accurate. 

Please provide me with your method of verification or I am going to file a complaint against your company with the CFPB. Specifically, provide me with the following information in accordance with the FCRA : Copies of any documents you used to make your decision, including electronic correspondence of all types A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher The name, job title and contact information of the individual ( s ) you contacted at the data furnisher The name, job title and contact information of all employees within your organization who played any part in handling this dispute Obviously your continued reporting of this inaccurate information is causing me financial distress. 

Please provide me with the above information and delete these accounts from your report immediately. 

If I have not heard from you within 30 days from the date you receive this certified letter I will be filing a complaint against you, initiating other legal action, or both. 

Thank you in advance for your help in correcting these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a credit card with XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with {$460.00} balance. 
A XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with a {$2100.00} balance. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a credit card with XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with {$460.00} balance. 
A XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX with a {$2100.00} balance. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

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 2025-09-13 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: TN

Complaint narrative:
Personal Statement I am a victim of Indentity theft Fraudulent account were open in my name and unauthorized inquiries occurred. These fraudulent debt ultimately contributed to a XXXX  being reported in my credit file I am disputing these items as Indentity theft and requesting deletion under the Fair Credit Reporting Act XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief