vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reporting discrepancies in my Citibank account that have resulted in significant missing funds. Below are the key details and events related to this matter : - Date of Incidents : XX/XX/year> - Amount Missing : I have determined that a total of {$40000.00} is missing from my account, excluding XXXX transfers. XXXX XXXX transactions, the amount missing totals {$39000.00}. 

Timeline of Events : XXXX. XX/XX/year> : I attempted to make a deposit of {$8000.00} at an ATM, which was not credited to my account due to an ATM malfunction. 

XXXX. XX/XX/year> : After realizing the initial deposit was lost, I made an in-bank deposit of {$24000.00}. 

XXXX. XX/XX/year> : Additionally, on this date, my account ending in * * XXXX was debited twice for the same amount, which further complicated my financial situation. 

XXXX. XX/XX/year> I transferred {$21000.00} to a newly opened account ending in * * XXXX. 

XXXX. Subsequent to Transfer : On XX/XX/year>, the same amount that was deducted from my account on XX/XX/XXXX reappeared as a charge against my account ending in * * XXXX, causing additional concerns regarding my account balance. 

Throughout this process, I have reached out to Citibank multiple times for clarification and resolution regarding these issues, but my concerns have not been addressed satisfactorily. Additionally, there have been multiple attempts by Citibank 's back office to close my account since Opening of my Account, which further raises concerns regarding the security and integrity of my funds. 

I would like this report to prompt an investigation into the handling of my account, the discrepancies noted, and the potential internal issues that may be affecting my financial well-being. 

Thank you for addressing my concerns.

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 2025-05-17 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: WI

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Credit Collection Services is reporting a collection account for {$510.00} originally tied to XXXX XXXX. This account was opened and reported without my consent or knowledge. I discovered it in XX/XX/2025 while reviewing my credit report. I never opened a XXXX account, and I never received services or a bill from them. I have submitted an official FTC Identity Theft Report ( # XXXX ), which includes this fraudulent collection. 

Reporting and attempting to collect on an account created through identity theft is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 1681a ( 2 ) ( A ) ( i ). I did not authorize this debt, and I am requesting it be permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding incorrect account information, but the errors remain uncorrected after an extended period. As an active-duty servicemember currently in the process of purchasing a home, these inaccuracies are causing significant harm to my ability to qualify for a mortgage. 

Specific issues include : Incorrect personal information listed on my report, including a previous address. 
One account is reported as delinquent by one bureau but as paid by others ; the balance, dates of last activity, and late payments are inaccurate. 
Another account shows inaccurate late fees on an open account. 
An accounts status is reported inconsistently across bureaus, with wrong balances and activity dates. 
Several accounts have incorrect dates, late fees, or activity statuses reported. 
One accounts errors have been corrected by some bureaus but remain inaccurate with others. 
Despite clear factual disputes and documentation, the credit reporting agencies and furnishers have not corrected these errors. I request immediate reinvestigation and correction under the Fair Credit Reporting Act and Servicemembers Civil Relief Act.

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 2025-05-17 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 disputing how XXXX XXXX XXXX is reporting a collection account on my credit report. This account originated with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. and was charged off, then sold to XXXX XXXX. 

However, it is currently being reported as an open account, which is incorrect and misleading. This is a collection account and should be reported as a closed collection account, not an open line of credit. 

This inaccurate reporting affects my credit utilization ratio and overall profile. It also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires information furnished to credit bureaus to be accurate and not misleading.

I previously disputed this with the credit bureau, but the issue was not corrected. The tradeline continues to display incorrect information, including the account type and status. No payments have been made and this is not an active credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 am filing this formal complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which gives me the legal right to request the permanent removal of certain negative accounts from my credit reports. 
Neither company has provided a Forward Flow Agreement or Assignment Contract.

Under this federal law, consumers are entitled to have adverse information removed if : 1.The accounts have been settled, paid in full, or otherwise resolved ; 2.The information is obsolete ( exceeding the allowable reporting time limits ) ; 3.Or the data does not meet the legal accuracy, fairness, or completeness standards required by the FCRA. 

Despite my good faith efforts to exercise these rights, I have submitted multiple direct disputes and formal removal requests to each bureau for items that clearly fall under one or more of these conditions. However, each agency has either ignored, inaccurately verified, or refused to remove these accounts even when provided with documentation and references to federal law.

Their failure to permanently delete these accounts constitutes a direct violation of 15 U.S.C. 1681c-2, which mandates the removal of such items when proper legal grounds exist. These agencies are knowingly continuing to report information that is misleading, outdated, or resolved, which damages my credit standing and creates ongoing financial harm. 

I am requesting the FTC to investigate this matter thoroughly and ensure these credit bureaus are held accountable for their non-compliance with the law. I also request support in ensuring that the disputed negative accounts are removed from my credit reports immediately, in accordance with my rights under federal law. 

Thank you for your attention to this matter.

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 2025-05-17 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: GA

Complaint narrative:
I am filing this formal complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which gives me the legal right to request the permanent removal of certain negative accounts from my credit reports. 
Neither company has provided a Forward Flow Agreement or Assignment Contract.

Under this federal law, consumers are entitled to have adverse information removed if : 1.The accounts have been settled, paid in full, or otherwise resolved ; 2.The information is obsolete ( exceeding the allowable reporting time limits ) ; 3.Or the data does not meet the legal accuracy, fairness, or completeness standards required by the FCRA. 

Despite my good faith efforts to exercise these rights, I have submitted multiple direct disputes and formal removal requests to each bureau for items that clearly fall under one or more of these conditions. However, each agency has either ignored, inaccurately verified, or refused to remove these accounts even when provided with documentation and references to federal law.

Their failure to permanently delete these accounts constitutes a direct violation of 15 U.S.C. 1681c-2, which mandates the removal of such items when proper legal grounds exist. These agencies are knowingly continuing to report information that is misleading, outdated, or resolved, which damages my credit standing and creates ongoing financial harm. 

I am requesting the FTC to investigate this matter thoroughly and ensure these credit bureaus are held accountable for their non-compliance with the law. I also request support in ensuring that the disputed negative accounts are removed from my credit reports immediately, in accordance with my rights under federal law. 

Thank you for your attention to this matter.

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I was looking for a XXXXXXXX XXXX XXXX  I found one for a decent price like XXXX dollars but had crazy high shipping like XXXX dollars but in the description of the post he had his phone number and said if you contact him he would ship it to me directly for a much lower XXXX dollar shipping cost. He gets my information and said he would ship it the following Monday but I received no further updates, no emailed receipt like he said, no tracking number, nothing. He took my money and ran and I didn't receive anything in return, I was scammed. 
I contacted my bank, XXXX XXXX, about the purchase and gave me a temporary solution that they then revoked after concluding there wasn't enough information that I was actually scammed which is insane to me that my own bank didn't do anything about me losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Experian Information Solutions , Inc. for failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

I submitted a dispute to Experian regarding inaccurate information on my credit report. Experian has refused to remove the collection in question and has also failed to provide any proof of a completed reinvestigation or verification of the accounts accuracy, as required by law.

Under 15 USC 1681i a 1 A, Experian must conduct a reasonable reinvestigation of disputed items within 30 days. Furthermore, 15 USC 1681i a 5 requires that any information found to be inaccurate, incomplete, or unverifiable must be deleted. To date, Experian has not complied with these legal obligations.

Additionally, I am concerned about Experians investigation practices. The CFPB has recently taken action against Experian for conducting sham investigations, which closely aligns with my experience. This raises questions about whether Experian is systematically failing to meet the standards set by federal law. 

I request that the CFPB investigate Experians practices in handling disputes, particularly in my case, and take appropriate enforcement action if necessary. I am including a copy of my original dispute letter, supporting documentation, and identification for your review. 

Thank you for your time and attention to this matter. I trust the CFPB will hold Experian accountable for any violations of federal consumer protection laws

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Lela Mae Portfolio Management Group
State: TX

Complaint narrative:
I keep getting emails from this company even though I have told them 1. They have the wrong person. 2. to stop sending me emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I got my divorce settlement from the sale of our home. Moved to XXXX  from XXXX. Sent 4 wire transfers to a bank in XXXX  to a real estate company. XXXX XXXX. The first wire of XXXX they were able to obtain from their account. XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> The following wires have been held since XXXX. On several occasions XXXX, and XXXX have gone into their PNC branch and asked PNC to send the money back to me. My bank has called. I have called. We have gotten that PNC is holding for 30 days for wire fraud investigation about 3 times. We were last told that it would be released in 10 days which has come and gone. I FINALLY was able to speak with a PNC upper management and they will not tell me ANYTHING because I am not a PNC customer. Nor do I want to be. I have filed a police report in XXXXXXXX XXXX where my bank is located and had a consultation with an attorney. I can provide proof of where the money came from, how I got it. No fraud on my end. I do not have any knowledge if the fraud is on the LLC. I want my money, hopefully with out having to retain council to force it. It has been FOUR MONTHS. I am currently living with my mom and XXXX kids because MY money is being held by PNC. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XX/XX/year>, someone attempted to open a credit card under my name and SS #. Bank of America 's office in my town refused to do anything about the account as I had not opened it. I spent hours with their fraud department trying to first determine when/where the request had started, and to try to ensure it didnt happen. I requested that BoA not process any requests for credit cards, accounts, loans, or anything else from anyone using my name and SS #. BoA refused. I have never been, nor will i ever be a BoA user. 

TOday i was alerted by my bank that BoA had once again begun the process of opening an account under my name and SS #. I have started the process again to try to dispute the account, and facing the same run around as the last time. BoA doesnt want to help out or do anything to prevent it from occurring 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
When I decided to sign up for school 3 years ago at XXXX XXXX while doing the student loans they encouraged me to sign up for their private student loan thats apart of their school they told me I was short XXXX dollars on my tuition and i couldnt go to school unless I have a loan to cover the remainder amount they explained that I would need the loan towards the end of my program I signed up for thats how they explained it to me come to find out they applied the private loan as soon as i started school I had no idea I feel like they mislead me and now I am forced to owe on a loan I had no idea they applied to my tuition as soon as I started I feel like I got set up I have tried to fight this loan because I feel like I was blinded and set up if I knew they were going to do that I would have never signed up for the loan they completely explained it wrong to me then I tried to get help from the financial aid advisor that signed me up they claimed they would remove it but then she became unavailable for months where I had to speak with someone else then they switched up their words I have tried to do something about it I have not succeeded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 filing this complaint because Equifax has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and correct inaccurate or unverifiable information on my credit report, despite multiple rounds of certified disputes. 

Over the past several months, I submitted five rounds of disputes directly to Equifax, each including : Signed letters Full identity verification USPS tracking Requests for method of verification Demands for documentation from creditors ( including contracts, applications, and purchase agreements ) Despite fulfilling all legal requirements under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards, Equifax has either failed to investigate or responded with generic form letters that ignore the specific issues raised. Many accounts remain with false or unverifiable information. 

In addition to Equifax, I also sent dispute letters directly to the creditors and am prepared to submit those if requested. 

Disputed Items : XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry from an identity theft attempt. No permissible purpose was established or documented. 

Charged-Off Accounts / Collections XXXX XXXX  XXXX XXXX ) Shows charge-off with {$0.00} balance and reporting discrepancies. No verification documentation provided. 

XXXX XXXX XXXX XXXX ( XXXX ) Charged-off amount exceeds the credit limit. No validation of debt or verification of the charge-off. 

XXXX XXXX XXXX XXXX  ( XXXX ) Disputed for inaccurate balance and charge-off. No proof or proper response was given. 

XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) Shows collection status with unverified debt. Requested proof of the {$3400.00} balance multiple times. 

XXXX XXXX XXXX ( XXXX ) This collection is reporting a {$10000.00} debt. No supporting documents or account history provided. 

XXXX XXXX XXXX ( XXXX ) This is a duplicate of the XXXX XXXX  charge-off. Reporting it again as a separate collection is deceptive and unfair. 

XXXX XXXX XXXX XXXX ( XXXX ) This is a fraudulent account. I submitted a fraud affidavit and support documentation, yet it remains. 

XXXX XXXX XXXX XXXX ( XXXX ) Reporting a {$15000.00} balance with no documentation, proof, or verification. 

Late Payment Dispute XXXX/ XXXX ( XXXX ) A single late payment from XX/XX/XXXX is reporting in error. I requested correction under TILA ( 15 U.S.C. 1666 ), but no action was taken.

Legal and Regulatory Violations Equifax has violated : FCRA 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing information without proper verification Metro 2 & CDIA Standards Improper data field formatting and reporting irregularities

Company response to consumer: Closed with non-monetary relief