vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A letter dated XX/XX/year> from Citi was received at my home address on XX/XX/year>. The letter was addressed to me, but listed a last name I have not used in many years. Citi stated that the application I submitted for a " Citi XXXX XXXX account '' could not be processed due to a credit lock on my credit. I have my credit locked at all XXXX credit agencies, XXXX, XXXX and XXXX as I do not want accounts opened in my name using my credit that I worked hard for my entire life. 

The notice further states in order to continue processing my application, I would need to remove my credit lock at XXXX. I called the XXXX number on the notice and was finally able to speak with someone named XXXX in the XXXX department. I explained that I never applied for any credit or credit card with Citi. He did assist me with removing the application from Citi, but I asked who applied for credit under my name, when, how, etc. and XXXX stated " he had no way of knowing his information. '' I find it completely unacceptable that someone XXXX have tried to open an account in my name using my credit and that Citi can not provide me with information on who, what, when, etc.

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 2025-04-09 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX a payment was made to the amount of {$390.00}. This payment was to made to XXXX XXXX municipal, XXXX XXXX, Ohio, but was somehow made out to XXXX XXXX civil, XXXX, Ohio. I then had a warrant put out for unpaid fines and later had that sorted after paying an additional {$330.00} to XXXX XXXX municipal on the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I went over the overdraft limit of {$50.00} and made XXXX charges but transferred enough money ( {$60.00} ) to cover the XXXX charges and the bank didnt transfer the money until Wednesday when I submitted it on Monday. Now I was charged XXXX overdraft fees of {$34.00} each. 
So I was charged a {$34.00} fee on the following charges XXXX, XXXX, XXXX and XXXX. This is absolutely insane and due to the fact that I made an error by choosing the wrong way to transfer between my other XXXX XXXX  account and they held my {$60.00} for XXXX  days I was charged over {$100.00} in fees. This is a constant issue with Chase bank and I will be closing this account asap. 
Obviously I dont have money to cover these outrageous charges let alone the inflation we are dealing with as consumers today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with. Please find the attached copt of my ID, THE FTC complain and a copy of the XXXX report showing my information being exposed in a national data breach and a validation of Debt letter.

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 2025-04-09 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my

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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rauch-Milliken International, Inc.
State: AR

Complaint narrative:
On XX/XX/year> at XXXX am XXXX XXXX, a representative of XXXX XXXX XXXX, called the office XXXX XXXX XXXX and asked to speak with me. The office personnel told him I was out of the office and asked to take a message. XXXX XXXX then told the office staff that he was calling in reference to an unpaid debt and even gave them the name of the company who the debt was owed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, Unifin contacted me but would not specify what they were contacting me about. Then again on XX/XX/XXXX, at which time I asked them that if I owed them anything, to contact me in writing and to stop calling me. On XX/XX/XXXX, they called again, against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My information was involved in a data breach and this information was included in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fundo LLC
State: MN

Complaint narrative:
Hideous attempt to collect the debt even though I repeatedly tried to work out way to resolve the issue, collector swore at me on the phone and was very rude and used an a abusive and bullying tone in regards to the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made multiple attempts to dispute a debt through Equifax, contacting them XXXX times to request the removal of this erroneous item. In response, I received a statement accusing me of lying about the charges. As a result of their unfounded claim, they reinstated all charges on my account. To make matters worse, the address they had on file for me was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I had a First National Bank of Omaha credit card. The card was current as of XX/XX/XXXX through XXXX of XXXX at which time the account was closed. In XXXX of XXXX there was an interest fee charged to the account even though the account was closed. I found this out by checking my credit report to find the account was XXXX days overdue. I don't understand how a closed account can be charged a fee. It should have been charged before it was closed or shortly thereafter, not XXXX months after the account was closed.

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I were traveling in XXXX for our honeymoon. We tried to use our Chase Credit Card with the XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX  as well as several other vendors on the trip. These transactions repeatedly failed because XXXX Secure XXXX support was not enabled on the card. 

I called Chase internationally, more than XXXX times to get assistance with the issue and each time, did not receive any help. Chase customer service said " all foreign transactions have been approved '' and refused to provide any other assistance, despite the fact that my wife and I were stranded in a XXXX XXXX without access to our money or to use the card. 

I am furious that Chase put my wife and I in this position, and did not provide any help. This was a dangerous position for us to be in, and we could have been stranded without any funds to get transport and get to safety. Chase customer service should be required to escalate, and provide help with using their services during travel.

Chase flagged my credit card multiple times for fraud because I made purchases in a foreign country, despite the fact that they do not allow you to call/inform them of travel and advertise that this is not necessary. Every time I travel, Chase flags my account and prevents me from using the account abroad. 

The way Chase handles travel is absolutely abhorrent, dangerous and hostile to its customers. One day, something bad will happen to one of their customers, and only then will they realize the difficult situation they put people in and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Mohela is my federal student loan servicer. I have been in a forced loan forbearance since XX/XX/XXXX due to litigation surrounding income-based loan repayment. I have given up hope of enrolling in a different income-based repayment plan and want to enroll in the standard repayment plan to resume my payments. On the Mohela website, there's options to upload an application for every type of repayment plan except the standard plan. I called Mohela on XX/XX/XXXX and was told the only way to apply for this plan is over the phone. To do so you have to speak with an " advanced agent. '' Wait times to do so are over XXXX hours. I work full time and have XXXX children under XXXX. I don't have time to sit on hold for XXXX hours. And yet I did sit on hold for over XXXX hours today ( XX/XX/XXXX ) only to have Mohela disconnect the call with no explanation. When I called back, I was told I would have to wait at least another XXXX hours to speak with someone. There is no way to escalate this to a manager or have one of the advanced agents call me. I have to sit on hold for hours and just hope they do not again disconnect the call before I am able to speak with someone. There's no online chat option. Nothing. Just sit on hold and hope the call stays connected. 
All I want is to start repaying my loans again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX took out XXXX transactions XXXX was of {$73.00} and another of {$10.00} I was suspended on XX/XX/XXXX I hand no access to the account and couldnt remove my bank details I reported it to the chase bank but they said the could not do anything since I had a history with working with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Subject : Formal Request for Deletion Fifth Third Bank NA Secured Card ( Reported on Dated XX/XX/XXXX ) To Whom It May Concern, I am formally requesting the immediate and complete removal of the Fifth Third Bank NA secured card account from my credit report dated XX/XX/XXXX, due to irreconcilable contradictions that render the entire reporting inaccurate, misleading, and in direct violation of federal reporting standards and the industrys XXXX ( Standardized Data Reporting Format Agreement ). 



Basis for Removal Request This account contains multiple material contradictions that undermine its accuracy and reliability : XXXX. The account is simultaneously reported as : Account charged off. {$120.00} written off. {$440.00} past due as of XX/XX/XXXX Account closed at credit grantors request These XXXX statuses are mutually exclusive and can not coexist. An account charged off can not be closed at the creditors request in good standing. 
XXXX. The status was reportedly updated in XX/XX/XXXX, yet CO ( charge-off ) notations appear in the payment history for XXXX, XXXX, and XXXX. This suggests the account continued accruing derogatory information well after being closedan operational impossibility if closed properly. 
XXXX. The Last Payment Date shows XX/XX/XXXX, yet the Balance Updated reflects XX/XX/XXXX, XXXX XXXX years of activity without any actual payments or valid updates. 



Violation of FCRA & XXXX Guidelines Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ), credit reporting agencies must delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Additionally, this tradeline appears to violate the XXXX agreement, which mandates that furnishers and credit bureaus report tradeline data in a consistent, logical format that accurately reflects the accounts lifecycle. XXXX both a charge-off and a closure at the creditors request, along with conflicting dates and continued delinquency entries after closure, violates XXXX data XXXX logic and industry-standard XXXX XXXX formatting. 



XXXX Request I request that you contact XXXX XXXX Bank XXXX to verify : XXXX. The actual closure date of the account XXXX. Whether the account was in fact closed at the creditors request XXXX. How a properly closed account continued to generate derogatory payment history beyond that date I assert that proper investigation will confirm the contradictions can not be reconciled, and that deletion is the only appropriate remedy.

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 2025-04-09 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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