vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: TN

Complaint narrative:
I am writing to formally file a complaint against Citibank, where I have been a customer since 2015. I opened both my checking account and credit cards in person at a Citibank branch and have always maintained my accounts responsibly, paying all bills on time. 

Over the years, I have repeatedly experienced false positive fraud alerts, which require me to repeatedly verify my identity. These verification procedures are particularly burdensome while traveling. No other financial institution I use subjects me to such frequent disruptions. 

Recently, all four of my Citibank credit cards were blocked, and I received the following message : ACTION REQUIRED : YOUR ACCOUNT HAS BEEN BLOCKED I have been instructed to complete a Form 4506-C ( XXXX Request for Transcript of Tax Return ) to regain access. 

It appears that Citibanks verification system has failed at scale. In particular, there have been reports of compromised links allowing fraudulent applications. While Citibank has attempted to address these issues, their current process ensnares legitimate customers in the fallout, forcing them to provide sensitive information unnecessarily. This situation is highly disruptive and unreasonable, as customers who have a long-standing history of responsible account management are being penalized due to systemic failures. 

I request that CFPB review this matter and take appropriate action to ensure that Citibank provides a fair and practical resolution for affected customers without undue risk to their personal data. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-09-08 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 entry is mistaken and undermines my history of responsible payments. Please update it accordingly.

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 2025-09-08 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: GA

Complaint narrative:
I submitted {$12000.00} by mistake to MOHELA instead of turning it back to my masters school at XXXX XXXX XXXX I submitted a refund request to XXXX, and I received an email from them on XX/XX/year> that my refund will be processed with in XXXX XXXX through MOHELA. But I tried to contact MOHELA multiple times, was unable to get more information about my refund status. Now I am not able to attend my XXXX XXXX due to this situation. I will highly appreciate you if your office check with MOHELA to process my refund as soon as its possible. Thank you very much in advance!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX  - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine

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 2025-09-08 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: NY

Complaint narrative:
I am disputing the accuracy of XXXX XXXX  reporting on my TransUnion credit report. The account is currently listed as charged off with an amount past due of {$2400.00}, reported as of XX/XX/year>. 

This reporting is erroneous for multiple reasons : Impossible Charge-Off Date XX/XX/year> is not a valid reporting date. This is a known system default when a creditor or bureau fails to transmit a proper date field, and it demonstrates that Ally and/or TransUnion are failing to provide complete and accurate information as required under the Fair Credit Reporting Act ( FCRA ). 

Contradictory Statuses The account is listed as both charged off and still accruing past due months. By definition, once an account is charged off, it can not simultaneously continue to reflect rolling delinquencies. This creates confusion and artificially worsens the derogatory impact on my credit profile. 

Manipulated First Delinquency Date XXXX  has repeatedly altered the first delinquency history. Originally, they reported XXXX as the first missed payment, then backdated it to XXXX, and now it has been further backdated to XXXX. This pattern is misleading and violates FCRA standards that require the first delinquency date to remain fixed and accurate.

Lack of Oversight by TransUnion TransUnion is allowing XXXX to report contradictory, inaccurate, and incomplete information without question. This is not only harmful to me but undermines the reliability of the bureaus reporting system.

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 2025-09-08 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: TX

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 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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding accounts reported under my name that are fraudulent. I did not authorize or open these accounts, and their reporting misrepresents my financial standing. The presence of these accounts is harmful, inaccurate, and unacceptable.

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 2025-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Capital One restricted my Credit Card ending XXXX. After several requests over the phone to send me a letter stating the reasons, they didn't send me such a letter. Instead, they sent a letter to a wrong address in Florida on XX/XX/year>. This address is not in their file. I informed them about it twice .They promised me twice to send the copy of that letter in my correct address on their file. But many they didn't not do so after so many days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts shown on my credit report that I believe contain errors. Under my rights granted by 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a thorough review of these entries, and if they can not be confirmed as accurate, I ask that they be deleted from 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 2025-09-08 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 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 rectify these issues. 

Account name : XXXX  Account number : 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 2025-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am the lawful owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, as evidenced by the original mortgage and title insurance issued by XXXX XXXX XXXX XXXX of Illinois in 2002 [ XXXX ]. The property was wrongfully taken from me when the VA acquired possession before judicial confirmation of the foreclosure sale, in direct violation of Illinois law ( 735 ILCS 5/15-1508 ). This premature transfer rendered the sale void ab initio and did not extinguish my rights as owner.

Subsequently, the VA sold the property to a federal employee or an individual with a direct connection to VA personnel, raising serious concerns of self-dealing and conflict of interest under federal ethics regulations ( 5 CFR Part 2635 ). Despite these defects, neither the VA nor any federal agency has provided remedies or addressed the conflict, and the chain of title remains clouded. 

As a result, I remain the true owner of the property. I am actively pursuing a quiet title action, and while this matter is pending, I request that all partiesincluding XXXX XXXX and the VArecognize my continuing ownership and refrain from further transfers or actions that would prejudice my rights. I also request that the VA and relevant federal agencies investigate and remedy the conflict of interest and procedural violations that have deprived me of my home. 

Cited References [ XXXX ] B '' H EVIDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; FATIC Claim No. XXXX - XXXX - Gmail.pdf Related References [ XXXX ] XXXX XXXX ATTORNEY VA XXXX [ XXXX ] South XXXX Letter Violations.pdf [ 4 ] Subsequent Agency Decision - FOIA 22-06629-F.pdf [ 5 ] 8:2025 Respond to XXXX  XXXX .pdf XXXX XXXX ] XXXX Letter 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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently reported on my credit file. I have never authorized, opened, or been associated with these accounts. Their inclusion is inaccurate, misleading, and harmful, creating a false representation of my financial history that undermines my credibility and ability to manage my finances effectively.

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 2025-09-08 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: CA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate and unverifiable information.

Background I identified several inaccurate accounts on my credit reports, including personal loans and credit card charge-offs.

I submitted formal disputes and requested Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The agencies failed to provide the MOV within the required time frame.

Some of the disputed accounts were deleted by one credit bureau after investigation, yet the same accounts remain on others, even after I provided documentation showing the deletions.

This results in inconsistent, inaccurate, and misleading reporting across the credit reporting agencies.

Violations Failure to Reinvestigate and Provide MOV Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), they must provide a description of the procedure used to determine the accuracy of the disputed information ( Method of Verification ).

I requested this information, but it was not provided, violating my rights under the FCRA.

Failure to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of information that is inaccurate, incomplete, or can not be verified.

Since one bureau deleted the accounts as unverifiable, the continued reporting by other bureaus shows a failure to comply with this requirement.

Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) requires agencies to follow reasonable procedures to assure maximum possible accuracy.

The inconsistent reporting across bureaus is misleading and harmful, and does not meet the standard of maximum possible accuracy. 

XXXX XXXX ( credit card ) XXXX  ( personal loan, transunion deleted ) ) XXXX XXXX ( personal loan ) XXXX  ( personal loan ) XXXX XXXX ( personal loan ) XXXX XXXX ( credit card, equifax deleted ) XXXX ( credit card ) XXXX  ( credit card, equifax deleted )

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 2025-09-08 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently being reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, the credit reporting agencies are required to ensure maximum possible accuracy and remove any information that can not be fully verified.

The following accounts must be investigated and deleted from my credit reports with TransUnion, Experian, and XXXX  : 1. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  4. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  5. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX Account # : XXXXXXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX ( Record 1 ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX Account # : XXXXXXXX XXXX XXXX 9. XXXX XXXX ( Record 2 ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX  Account # : XXXXXXXX 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 2025-09-08 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: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently being reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, the credit reporting agencies are required to ensure maximum possible accuracy and remove any information that can not be fully verified.

The following accounts must be investigated and deleted from my credit reports with TransUnion, Experian, and XXXX  : 1. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  4. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  5. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX Account # : XXXXXXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX ( Record 1 ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX Account # : XXXXXXXX XXXX XXXX 9. XXXX XXXX ( Record 2 ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX  Account # : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
After XXXX disputes, the furnisher and CRAs have proven XXXX thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits. 

This isnt a mistakeits willful, harmful, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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