vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/year> My elderly father received a phone call from IQData on XXXX XXXX. They told him he owed money and that they would collect it. He had no idea what they were talking about. He had never been late or missed a payment on anything EVER. They just kept yelling at him. So he hung up and called me, his daughter. 
I called the number they had given him. It was IQData. I asked the gentleman on the phone what this was regarding. He said it was a debt from our apartment complex, which we, my daughter and I ( my dad was a co signer but did not live with us ) had moved out of 3 months prior. A bill for utilities. 
I am disputing the bill. 
But the manager I spoke to was rude, abusive and wouldn't let me say anything. Just yelled that he doesn't want to waste anymore of his time on me and said he would be moving forward with collections. 
I have never received a bill, a notice or a phone call from the apartments or from IQData. Just the one call to my dad today.

I don't know what I can do, but this company needs to be penalized, shut down, something. 
Can I file a suit against them for verbal abuse and for messing with my dads excellent credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request a review and reinstatement of my Citi Strata card account, which was closed despite Citis verification of my information and prior confirmation that my annual fee would be waived for this year.

After opening the Citi Strata card, I was asked to submit IRS Form 4506 for verification. I promptly complied by signing and submitting the form. Citi processed it, verified my information, and removed the block from my account. However, only a few days later, my account was closed without any explanation.

This action appears unjustified, as I fulfilled every requirement and was informed that my account was in good standing. Additionally, I have seen multiple reports on consumer and credit forums of other Citi customers experiencing the same issue having their accounts closed shortly after Citi verified their information through Form 4506. This pattern suggests a broader issue that needs immediate review. 

I request that Citi reopen my account under the same terms, including the waived annual fee, and confirm that no negative information has been or will be reported to any credit bureau as a result of this closure. 

If this matter is not resolved promptly, I will escalate the issue by filing a complaint with the Consumer Financial Protection Bureau and other relevant regulators. I will also explore legal options, including participation in group or class action proceedings, should this pattern continue to affect consumers in the same manner. 

Please acknowledge receipt of this complaint and advise what steps Citi will take to resolve this situation.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have been disputing fraudulent charges on my imagine and aspire credit card since XX/XX/XXXXXXXX XXXX XXXX XXXX 

I am military XXXX XXXX overseas - When returning to the base and able to check my email, I noticed there were balances on these cards!

My home was broken into in the states, and my cards were fraudulently used - along with my cell phone - my computer- my checking account and many other personal items.

The perpetrator used my phone and credit cards and bank account for a period of time because with myself being XXXX XXXX, I was unaware this was happening. 

The server for imagine an aspire has frequently violated the truth and lending act 1025.13 and has yet to comply with the billing right requirements!

They never provide a provisional credit to my account ceasing charging me for the bill amounts of the disputed items!

They continue to charge me late fees for billing of the disputed items!

But most of all they denied my claim because they said the car was activated using my cell phone number in Florida!

I have had to call. I take time away from my duty station at 75 times and have been hung up on twice. 

I have sent 18 emails regarding these cards, demanding that my fraud claim be reopened and properly investigating!

The charge is on my are in states outside of Florida including Kentucky and Ohio!

My residence is in Florida however, I am stationed and have been stationed overseas!

The car provider refuses to properly open a fraud dispute and have my claim validated by the merchant of which they will not be because they are fraudulent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending to formally dispute several inaccurate and misleading accounts appearing on my credit report. These accounts have been reported as late, delinquent, or otherwise negative, despite showing XXXX balances, incorrect payment histories, or other inconsistencies. These reporting errors misrepresent my creditworthiness and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) .Pursuant to FCRA 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I am requesting a full reinvestigation of the items listed below, correction or removal of all inaccurate data, and written confirmation of the results, along with an updated copy of my credit report within the 30-day timeframe required by law.XXXX  XXXX Balance : {$7.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$0.00} Date Opened:XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$3800.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment:XXXX Late 120 days XXXX XXXX XXXX/DOFED XXXX Balance {$130.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$1100.00} XXXX Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3000.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$2100.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX LATE CLOSED : XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date Opened: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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending to formally dispute several inaccurate and misleading accounts appearing on my credit report. These accounts have been reported as late, delinquent, or otherwise negative, despite showing XXXX balances, incorrect payment histories, or other inconsistencies. These reporting errors misrepresent my creditworthiness and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) .Pursuant to FCRA 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I am requesting a full reinvestigation of the items listed below, correction or removal of all inaccurate data, and written confirmation of the results, along with an updated copy of my credit report within the 30-day timeframe required by law.XXXX  XXXX Balance : {$7.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$0.00} Date Opened:XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$3800.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment:XXXX Late 120 days XXXX XXXX XXXX/DOFED XXXX Balance {$130.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$1100.00} XXXX Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3000.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$2100.00} Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX LATE CLOSED : XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date Opened:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-28 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-10-28 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-28 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: FL

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-10-28 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 letter serves as a formal objection to the referenced accounts. They were not created with my authorization and appear fraudulent. I respectfully request their removal and investigation. Evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
This correspondence represents my official dispute of the referenced accounts. They were not opened or approved by me, and they appear fraudulent. Kindly remove them and investigate further. Proof is enclosed.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
LOANCARE REFUSES TO ENFORCE T-2 TITLE POLICY COLLATERAL AT RISK Loan # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LoanCare claims they " have nothing to do with title insurance '' and " don't have the XXXX policy '' despite being the servicer of a loan with a XXXX Lenders Title Policy ( issued XX/XX/XXXX, {$1000.00} premium + {$180.00} XXXX endorsement ). 

XXXX confirmed XXXX coverage for boundary defect ( missing pin + retaining wall encroachment, XXXX survey XX/XX/XXXX ). XXXX instructed : * '' Escalate to LoanCare They will care about the retaining wall. " * LoanCare refuses to : 1. Provide XXXX policy XXXX. File claim with XXXX XXXX. Protect lenders collateral This violates RESPA ( 12 CFR 1024.35 ) and Texas Finance Code 180.001 ( servicer duty to protect lender interest ).

Attached : XXXXXXXX XXXX  photos, DEMAND : - Immediate XXXX claim filing - Cure at XXXX expense XXXX Response within 15 days

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 2025-10-28 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 serves as my official dispute of the referenced accounts. I did not authorize them, and they are fraudulent. I request an immediate investigation and removal. Supporting materials are attached.

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 2025-10-28 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: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My federal student loan servicer, XXXX, is inaccurately reporting to all three major credit bureaus that I have three missed payments over 120 days late ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This is incorrect. 

I contacted XXXX, and they confirmed that I applied for the SAVE repayment plan after consolidating my loans. Due to ongoing legal proceedings, my application was paused. When this happens, borrowers are placed in administrative forbearance, during which payments are not required and can not be considered late. 

According to the official Federal Student Aid website ( source ) : Borrowers who enrolled in or applied for the SAVE Plan remain in forbearance, unless they obtained a different status. 

Background : In XX/XX/XXXX, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in administrative forbearance at a 0 % interest rate.

No interest accrued, and loan balances did not increase during this period.

Borrowers were not required to make payments during the forbearance. 
In XX/XX/XXXX, a second court injunction ended the 0 % interest rate. 
XXXX resumed interest accrual starting XX/XX/XXXX for loans in SAVE Administrative Forbearance.

Therefore, no missed or late payments should be reported for the period my application was paused and the loans were in forbearance.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers ( like XXXX ) are legally obligated to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting payments as delinquent during a valid forbearance period is a violation of this law.

This incorrect reporting has caused harm to my credit profile and may affect my ability to access future credit or loans. I am requesting that XXXX immediately correct this misinformation across all credit bureaus and that the Consumer Financial Protection Bureau investigate this potential FCRA violation.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My federal student loan servicer, XXXX, is inaccurately reporting to all three major credit bureaus that I have three missed payments over 120 days late ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This is incorrect. 

I contacted XXXX, and they confirmed that I applied for the SAVE repayment plan after consolidating my loans. Due to ongoing legal proceedings, my application was paused. When this happens, borrowers are placed in administrative forbearance, during which payments are not required and can not be considered late. 

According to the official Federal Student Aid website ( source ) : Borrowers who enrolled in or applied for the SAVE Plan remain in forbearance, unless they obtained a different status. 

Background : In XX/XX/XXXX, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in administrative forbearance at a 0 % interest rate.

No interest accrued, and loan balances did not increase during this period.

Borrowers were not required to make payments during the forbearance. 
In XX/XX/XXXX, a second court injunction ended the 0 % interest rate. 
XXXX resumed interest accrual starting XX/XX/XXXX for loans in SAVE Administrative Forbearance.

Therefore, no missed or late payments should be reported for the period my application was paused and the loans were in forbearance.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers ( like XXXX ) are legally obligated to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting payments as delinquent during a valid forbearance period is a violation of this law.

This incorrect reporting has caused harm to my credit profile and may affect my ability to access future credit or loans. I am requesting that XXXX immediately correct this misinformation across all credit bureaus and that the Consumer Financial Protection Bureau investigate this potential FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
My federal student loan servicer, XXXX, is inaccurately reporting to all three major credit bureaus that I have three missed payments over 120 days late ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This is incorrect. 

I contacted XXXX, and they confirmed that I applied for the SAVE repayment plan after consolidating my loans. Due to ongoing legal proceedings, my application was paused. When this happens, borrowers are placed in administrative forbearance, during which payments are not required and can not be considered late. 

According to the official Federal Student Aid website ( source ) : Borrowers who enrolled in or applied for the SAVE Plan remain in forbearance, unless they obtained a different status. 

Background : In XX/XX/XXXX, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in administrative forbearance at a 0 % interest rate.

No interest accrued, and loan balances did not increase during this period.

Borrowers were not required to make payments during the forbearance. 
In XX/XX/XXXX, a second court injunction ended the 0 % interest rate. 
XXXX resumed interest accrual starting XX/XX/XXXX for loans in SAVE Administrative Forbearance.

Therefore, no missed or late payments should be reported for the period my application was paused and the loans were in forbearance.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers ( like XXXX ) are legally obligated to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting payments as delinquent during a valid forbearance period is a violation of this law.

This incorrect reporting has caused harm to my credit profile and may affect my ability to access future credit or loans. I am requesting that XXXX immediately correct this misinformation across all credit bureaus and that the Consumer Financial Protection Bureau investigate this potential FCRA violation.

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