vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I was unable to access my Citibank checking account. I contacted Citibank and was informed that my account would be closed for suspected fraudulent activity, which I dispute. On XX/XX/XXXX, I received an email from Citibank confirming the closure. At that time, my account had a balance of {$1800.00}. 

Citibank representatives initially told me I would receive a check for the remaining balance within 60 days. However, when I followed up multiple times, I received conflicting information. On XX/XX/XXXX, I visited a Citibank financial center, where I was told that my account was actually closed on XX/XX/XXXX, XXXX XX/XX/XXXX as initially stated. Because of this, I was informed that I needed to wait until XX/XX/XXXX, to receive my funds. Despite waiting, I have yet to receive my money. 

When I contacted Citibanks fraud prevention service today ( XX/XX/XXXX ), they informed me that, after their investigation, I am not owed any money. I believe Citibank has not provided sufficient explanation or justification for withholding my {$1800.00}. I am requesting that Citibank clarify why the account was closed and either return the full balance or provide a clear, documented explanation for withholding my funds.

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 2025-03-14 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: CVB FINANCIAL CORP.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. an account under the name of XXXX was opened without my acknowledge on XX/XX/year>. They spent {$80.00} out of {$920.00} left. Let me explain on XXXX they open a {$1000.00} credit line. They spent {$20.00} on XXXX and XXXX. XXXX reported XX/XX/XXXX, XXXX denied by the XXXX XXXX Since, the company who open this credit line have more information than the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  has accessed my private student loan information without my consent and without my knowledge until after the fact. They have breached the contract and I would never have granted such a person or organization any of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 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:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions XXXX XXXX, DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

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 2025-03-14 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-14 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: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The following account is being incorrectly reported by two different companies on my credit report, despite the fact that I received a 1099-C cancellation of debt for this account from the company XXXX. The details are as follows : Creditor Name ( as listed on TransUnion ) : [ XXXX ] Creditor Name ( Equifax ) : [ XXXX ] Account Number : [ XXXX, XXXX ] According to IRS regulations ( IRS Publication 4681 ), when a 1099-C is issued, the creditor has officially canceled the debt, meaning it is no longer legally owed. Therefore, this account should not continue to be reported as an outstanding delinquency by any entity. Additionally, the fact that two different companies are reporting the same debt suggests a potential violation of the FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ).

I request that this inaccurate and duplicate reporting be immediately investigated and removed from my credit file. As required by the FCRA, you must complete your investigation within 30 days and notify me of your findings. Please send me written confirmation once this account has been deleted from my credit report. 

Enclosed, I have included a copy of my credit report highlighting the disputed entries, a copy of the 1099-C for verification, and a copy of my ID for identification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I demand proof Transunion contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated account or delete this fraudulent account. FCRA 611 15 U.S.C 16811

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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> an unauthorized transaction was made on my Cash App account. The merchant was able to unlink my bank card and link their card information. They sent themselves {$320.00} from my bank account to theirs and then unlinked their card after successfully transferring funds. This is an issue I brought to Cash App and I have filed several complaints to no avail. They keep denying my claim and won't return my funds. Their conclusion was that no error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
NOTICE OF LAWLESS VIOLATIONS : According to 15 USC 1681 sec 602 the banking system is dependent upon fair and accurate credit reporting. Transunion in my experience is not in compliance nor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX frustrating to say the least. Transunion is reporting inaccurate information to my credit file. A charge off is considered a certificate of indebtedness per the IRS Article publication 1099c. The information reporting as charge- off on the credit report is illegally being reported Per the IRS publication charge-off is certificate of indebtedness and is considered income and can not be reported on a consumer credit report. Requesting removal of account and 1099c from the XXXX XXXX as proof of charge off to the company A charge-off is considered income and can not be reported on a consumer report. I opted out of sharing my personal information to 3rd parties last year. This is a violation of my privacy per the Privacy Act of 1974 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4600.00} reporting a revolving account with payment status charged off, that is inaccurate reporting, Remove immediately

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 2025-03-14 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: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX do not have clearance to view my personal data, and has viewed my student loan data and has broken the contract that is to have my student federal loans and to get them forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
My personal, private, identifying information ( PII ) was breached during an alleged audit being performed by the supposed XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. This individual is not an elected nor vetted or otherwise qualified federal employee, and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on the Department of Education nor any third parties that they have given access to my information any of my most sensitive information including but not limited to my : Social Security number, birthdate, First, Middle, and Last name, former and current residences, former and current employment, and financial data. The disclosure of my PII, was down without my prior, written consent, and continues to be at risk without any notification from any federal institution or representative. The individuals involved in the current disclosure of my PII have no relation to me or the educational agencies or institutions. I became aware of the data breach during the week ending XXXX XXXX from XXXX XXXX and other news articles, and no communications from the department or any federal entity.

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 2025-03-14 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: SC

Complaint narrative:
This company XXXX XXXX continues to place medical collections on my credit report. 

They take it away and a few months add it back. Ive spoke to the manger XXXX XXXX, who didnt allow, XXXX to get a word in. She claims because the balances are over {$500.00} allows them to place on my credit report. Ive been threaten that they will sue and garnish my wages. I just dont know what else to do. 

My goals since learning about the XX/XX/XXXX ruling I felt the need to contact them. 
I spoke with XXXX who threatened me and say I was wrong the debt can not be removed. Please help me with this matter. 

XXXX XXXX  as stated when they get tired they send it to another company who does the same thing. Harasse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to find an unauthorized inquiry on my credit report this morning, and I have no idea why. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the issue remained. This situation is extremely frustrating, and I need the documents I submitted to be thoroughly reviewed so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I used my Chase debit card to make a {$110.00} payment to Affirm for a purchase at XXXX XXXX. Right after making the payment, I changed my mind and canceled the loan with XXXX. However, XXXX gave me the runaround about refunding the {$110.00}, so I filed a claim with XXXX ( Claim XXXX XXXX ). 

For some reason, Chase denied the claim. When I contacted XXXX for a refund, they said that Chase had already charged back the funds and that they no longer had them. Now, my money is stuck in XXXX.

Company response to consumer: Closed with explanation