vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
In XX/XX/XXXX, I discovered that my Citibank account had been blocked when I was unable to use my debit card. I attempted to access my account online and was locked out. When I called Citibank Customer Service, I was told the account had been blocked and would be closed. I was informed that I would receive a letter explaining the closure, but I never received any communication. 
The funds in the account came from a deposited check and a transfer from another Citibank account. I used the funds normally, including making two international transfers to my own account in the country where I reside. I was never contacted about any issue regarding the origin or use of the funds. 
I called Citibank multiple timesCustomer Service, the Security Department, and the Fraud Prevention Departmentand was told that a check would be issued within 3060 days. That never happened. In XX/XX/XXXX, I contacted the Citi Executive Response Team. They sent me : - A letter dated XX/XX/XXXX ( which I had never received before ), - My XXXX and XX/XX/XXXX statements ( the latter showing a {$0.00} balance ), and - A message instructing me to contact a Citibank branch. 

I contacted a branch, but they said they couldnt help because the account was closed, and referred me back to Customer Servicestarting the same loop again. 

As a result, I filed a complaint with the Consumer Financial Protection Bureau ( Complaint number : XXXX ). Citibank responded with a final letter saying that the funds in my account were deemed as not belonging to [ me ] at closure, and that no check was issued for that reason. They suggested I contact the originating financial institution to file a recall request using a Uniform Indemnity Agreement. However, they did not explain : - Why the funds were supposedly not mine, - Who they believe the rightful owner is, - What happened to the money after it was withdrawn, - Or why I was not contacted earlier with any concerns. 

The person who transferred the funds to me has not received the money back, nor have I. Citibank stated that they now consider the case closed and that they will no longer respond to inquiries. 

I strongly disagree with this outcome. I have not been given any opportunity to prove that the funds were mine, nor have I seen any evidence or legal basis to justify withholding them. I am now submitting a second complaint and asking the CFPB to investigate Citibanks actions and help me recover the funds that were withdrawn from my account without a valid explanation.

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 2025-04-27 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: AZ

Complaint narrative:
items on credit report inaccurate i asked company to delete items and they send me letters claiming that they investigated and items are accurate, I did not asked them to verify, i asked them to delete because they should not be in my credit report and/or those accounts are reported wrong or they are not mine. 
I already went to court and got this items dismissed, court paperwork 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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This is a follow-up to Complaint ID XXXX. Capital One has resumed sending promotional mailings for the person who does not reside at my address. Received a mailing back at the end of XXXX but was giving them XXXX weeks to stop. The name is the same on the mailing and not changed. I have been attempting to stop this for years to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account ( Account XXXX. XXXX ). Specifically, the credit report reflects late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I assert that these entries are inaccurate and demand immediate investigation and corrective action, pursuant to my rights under federal law, including but not limited to : 15 U.S.C. 1666b ( Timely Billing Requirements ) Fair Credit Reporting Act ( FCRA ) Fair Credit Billing Act ( FCBA ) Equal Credit Opportunity Act ( ECOA ) Consumer Financial Protection Bureau ( CFPB ) Regulations I have consistently maintained timely payments on my account and have no record supporting the alleged delinquencies. It appears these late payment reports are the result of either a billing error, reporting mistake, or a failure to comply with required notice and timing standards under federal law. 

As outlined in 15 U.S.C. 1666b, creditors must provide a minimum 21-day notice period prior to a payment becoming due. Failure to adhere to this requirement invalidates any negative reporting based on such payment. Under the FCRA, I am entitled to dispute and demand the reinvestigation of inaccurate information, and you are required to verify the completeness and accuracy of the contested information. The FCBA also mandates the prompt resolution of billing disputes, while the ECOA and CFPB regulations protect against unfair and unlawful credit reporting practices. 

Accordingly, I am requesting the following actions : A full and detailed investigation into the late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Provision of all documentation and payment records substantiating these derogatory entries.

Immediate removal of the inaccurate late payments from my credit report if you are unable to provide verifiable and documented proof supporting their accuracy.

Written confirmation of the results of your investigation and any corrections made to my credit file. 

Please be advised that failure to respond adequately and within the timeframe required by the FCRA ( 30 days from receipt of this dispute ) may result in further actions, including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Comptroller of the Currency, as well as consideration of private legal remedies to protect my rights.

I expect acknowledgment of receipt of this letter within five ( 5 ) business days and a full response, including the results of your investigation, within thirty ( 30 ) days, as mandated by federal law. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt and full resolution of this dispute. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
XX/XX/XXXX at XXXX XXXX, I was texted this message without any other letters or emails or documentation presented. I have copied the text message and will paste the message sent now in quotations : " This is a XXXX XXXX XXXX that adverse credit information is scheduled to be reported to the credit bureau ( XXXX ) by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$130.00} due XXXX XXXX XXXX XXXX by calling ( XXXX ) XXXX or visiting www.ccspayment.com. Reference File # XXXX. Thank you. To opt out, reply STOP. '' XX/XX/XXXX at XXXX XXXX another message was sent that I will provide now in quotations : " This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX XXXX As of XX/XX/XXXX, your past-due account remains unpaid. Please call us @ ( XXXX ) XXXX or visit www.ccspayment.com to self-service. Reference File # XXXX. To opt out, reply STOP. '' I have recently received my Free Annual Credit Report with nothing, no debts etc., that would indicate any debts in collection. Also, double verified with Experian and no debts in collection. Notice the website linked in both messages is not a secure link. It does not have and XXXX XXXX XXXX indicating to me a crimson red flag for a social engineering event geared towards phishing/scamming/fraudulent claims and impersonating the company with intentions to do bad things including but not limited to identify theft and the like. Therefore, I felt a sense of responsibility, and urgency reporting this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MD

Complaint narrative:
On XX/XX/year>, I paid XXXX directly the amount of {$790.00}. The confirmation number is XXXX. I would like the creditors, XXXX XXXX and XXXX communicate and report this information accurately as soon as possible.

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 2025-04-27 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:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX VA XXXX I want this information remove from credit report I sent a copy of police report. I did not make this charge I was incarcerated during the time frame in question. I also had the brutal of prison send in documents as well.. I also requested a XXXX and didn't receive anything

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have had my chime account for several years and have never had a problem until recently. I have went through some type of identity theft and someone got into my account and stole money through XXXX XXXX. I'm not sure how this is even possible but it is. When it comes out it says XXXX XXXX loan re payment. I have contacted cashapp and they can not help me because I do not have a XXXX XXXX account. I do not have any loans through XXXX XXXX. This is not a debt that I owe and I should not be responsible when I have called chime and repeatedly asked them to stop allowing these transactions on my account. When this originally happened I asked them to resend my cards and cancel my old cards so they only sent me and changed the XXXX XXXX XXXX not the checking account card. The checking account card is how whoever got into my account did it and stole almost XXXX and I have no option on getting it back because chime says there is no error even though I have submitted police reports and whatever other information they need. I keep having to have them re open my case because they keep closing it and denying my disputes. This has caused my children and myself to be homeless and all types of problems but chime does not care they are just not doing anything. 
The transactions that are fraudulent are as follows XXXX XXXX XXXX XXXXXXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX * loan re payment XXXX XXXXXXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX * loan re payment XXXX XXXXXXXX XXXX XXXX * loan repayment XXXX pm XXXX XXXX XXXXXXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX * loan repayment XXXX XXXX XXXX XXXX * loan re payment XXXX XXXX XXXX XXXX XXXX XXXX * loan repayment XXXX XXXX XXXX XXXX * loan re payment XXXX XXXX XXXXXXXX XXXX XXXX * loan repayment XXXX XXXX XXXX XXXXXXXX XXXX XXXX * loan re payment XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX * loan repayment XXXX XXXX XXXX XXXX XXXX * loan repayment XXXX XXXX XXXX XXXX XXXX gas stations XXXX XXXX XXXX grocery store XXXX XXXX XXXX XXXX XXXX XXXX  * loan re payment XXXX XXXX These are all of the transactions that total XXXX while I was disputing this and asking chime to not allow any transactions to lock my cards and dispute all of these they kept allowing it to go through and now I am out all this money I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens went ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exists, ( please remove these accounts before I seek litigation for defamation of character. ) 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
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens went ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exists, ( please remove these accounts before I seek litigation for defamation of character. ) 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 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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Faloni Law Group
State: NJ

Complaint narrative:
Faloni law groupLLC is constantly sending me letters that I owe a debt of XXXX on behalf of XXXX XXXX XXXX. I am constantly harassed by them via XXXX  delivery and regular mail. I sent them letters via certified mail to show me proof of debt, they never respond. I received the 2nd letter via XXXX XXXX on XX/XX/year> and the 1st contact on XX/XX/year>. Previous letters via mail for garnishment of my wages, which are copies with no signature. I have yet to get any information from them on my request for information, just constant harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am filing a complaint regarding XXXX  inaccurate and unfair reporting of a XXXX late payment on my student loan account. I had a payment set up through their system and was under the clear impression that my account was in good standing. Despite my efforts to maintain on-time payments, XXXX incorrectly XXXX my account as delinquent. 

When I noticed this on my credit report, I immediately contacted XXXX to request a goodwill adjustment based on the payment arrangement already in place. They declined to correct the report. 

I am requesting that XXXX immediately remove the inaccurate XXXX late payment from my credit report. I acted responsibly, had a payment scheduled, and should not be penalized for a reporting error that I actively worked to avoid.

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 2025-04-26 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 is mu third formal dispute regarding inaccurate late payment entries being reported on my TransUnion credit file for the account referenced above with XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ) XXXX XXXX. XXXX XXXX XXXX are reporting correctly. Transunion refuses to comply 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 2025-04-26 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: RI

Complaint narrative:
I am filing a complaint regarding MOHELAs inaccurate and unfair reporting of a XXXX late payment on my student loan account. I had a payment set up through their system and was under the clear impression that my account was in good standing. Despite my efforts to maintain on-time payments, MOHELA incorrectly reported my account as delinquent.

When I noticed this on my credit report, I immediately contacted MOHELA to request a goodwill adjustment based on the payment arrangement already in place. They declined to correct the report. 

I am requesting that MOHELA immediately remove the inaccurate XXXX late payment from my credit report. I acted responsibly, had a payment scheduled, and should not be penalized for a reporting error that I actively worked to avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
XXXX, XXXX - Account # XXXX Despite submitting formal disputes under 15 U.S.C. 1681i, the information continues to be reported without sufficient evidence of its accuracy. Furthermore : The furnisher failed to respond with proper verification as required under FCRA 623 ( a ) ( 6 ) and FCRA 611 ( 15 U.S.C. 1681i ) ; The information may relate to a situation involving identity theft or misrepresentation, and I have submitted documentation consistent with FCRA 605B ( 15 U.S.C. 1681c-2 ) which allows for blocking fraudulent information from consumer reports ; The continued reporting of this information constitutes negligent or willful noncompliance under FCRA 616 and 617 ; In cases where I was denied credit due to this reporting, I was not provided appropriate disclosures per FCRA 615 ( f ).

I am requesting that the CFPB investigate this matter and ensure that the credit reporting agencies and furnishers comply with their obligations to provide accurate, verified, and timely information. If they can not provide proper verification and documentation within the legally required timeframe, the accounts must be deleted from my credit file in accordance with 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