vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am writing to seek your assistance regarding a series of unauthorized transactions and charges that have caused me significant financial hardship. I have had multiple unauthorized transactions made from my account, which were not authorized or made by me. Despite my attempts to resolve this matter, I am still facing financial difficulties due to mishandling by my bank. 

I contacted my bank ( Citizens Bank ) immediately after discovering these unauthorized transactions. I reported the fraud, had my card canceled and replaced, and opened a formal dispute. The situation has escalated, and I have been unable to resolve the issue satisfactorily, which has resulted in severe financial distress. I am XXXX and rely on my limited income to pay for essential living expenses, including rent. I informed the bank of my XXXX and the importance of receiving expedited provisional credit so that I could continue to meet my financial obligations. The bank initially guaranteed me expedited provisional credit by a certain date, but this promise was never fulfilled. 

After waiting for the provisional credit, I was informed that the bank no longer offered this service, which contradicted what a previous agent had told me. I waited an additional 10 days, hoping the situation would be resolved, but on the XXXX day, my provisional credit request was declined. Additionally, I filed for a second review of the dispute, but this process was never completed. 

Due to the decline of provisional credit, I was forced to enroll in overdraft protection to cover my rent payments, which was necessary to prevent eviction. However, the bank never canceled the card as they were supposed to, and over {$1500.00} was overdrafted from my account, further exacerbating my financial troubles. I called Citizens Bank multiple times, but they seemed indifferent to my situation. I filed a dispute for the additional charges and fees resulting from this, but those were also declined, leaving me with a total debt of over {$1900.00}, plus the initial {$700.00} stolen. 


After all of that they closed my bank account and I can no longer access it or my cards or screenshots/proof of disputes I feel completely helpless and taken advantage of due to my XXXX, as this has caused serious disruptions to my ability to pay for essential living expenses. The mishandling of my case by Citizens Bank has placed me in a position where I now face significant debt and financial insecurity. I respectfully request your intervention to help resolve this issue and ensure that my rights as a consumer are protected. 

Please assist me in addressing this matter with Citizens Bank and help me find a fair resolution. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: CarMax, Inc.
State: FL

Complaint narrative:
XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I applied for unemployment, and it was granted in XX/XX/XXXX in the state of California. I didn't try using any of that money while I was living off savings, now I need this money, and my card won't work. I tried using it at an ATM, it didn't work. 

I called in XXXX, around XX/XX/XXXX, and was told that I can't access the money, and that I need it to pay rent. They told me that they have to mail me a check that would take 10-14 days. I explained that I need the money for rent, which is due in a week. They essentially said " too bad ''. I really tried to make this work- I offered to drive to a location and pick up a check, or money, they said no. I said they could wire the money into my regular bank account, they said no. I said they can pay my rent ( my rent is about {$1800.00}, they have about {$4000.00} of my money ), and mail me a check for the rest. I asked if they can overnight payment, and take the cost to overnight from my account, they said no. 

I paid my rent using my credit card, and I don't have any of my money yet. I called them on XX/XX/XXXX, and agreed to have them mail me a check, they told me it will arrive in 10-14 days. It's now XX/XX/XXXX and no payment has arrived, I called them again, and they said they mailed it and I need to wait, and if I don't get it in the next 5 business days, I can call and they will reissue. I explained that I've already been waiting weeks for this money, if they reissue will it take another 2-3 weeks? They said yes. 

The issue is Money Market has been holding onto my money and not allowing me access to it. I also have rent coming up for next month now. I don't want to put another months rent on my credit card, and I didn't want to put the last month on my credit card. Because of this delay I've been looking at interest, and other losses because Money Market won't give me my own money back.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 
XXXX.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

VANCE & HUFFMAN LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX alance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXL XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX alance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/year>

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Late Payment Reporting Dear, To Whom It May Concern I am writing to formally dispute the late payment entries reported on my credit report associated with my account. I believe these entries are inaccurate and unfairly reported due to non-compliance with the Truth in Lending Act ( 15 USC 1666b ). 

Nelnet Account # : XXXX Nelnet Account # : XXXX Nelnet Account # : XXXX Nelnet Account # : XXXX Nelnet Account # : XXXX According to this statute, a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure that each periodic statement, which includes the required disclosures from section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. I have not received the periodic statement as required, and I have requested proof of this mailing in good faith, but I have not received the necessary documentation. 

The failure to provide the periodic statement in a timely manner is not only unfair but also illegal, and it has negatively affected my credit report. Therefore, I am requesting the following : 1. A review of my account and the removal of any late payment entries from my credit report. 
2. Documentation proving that the periodic statements were mailed or delivered to me at least 21 days before the due date. 

Please consider this letter a formal request to rectify this situation. I expect a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If I do not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Kikoff Inc.
State: CA

Complaint narrative:
I am filing a serious complaint against Kickoff Lending for reporting a fraudulent account under my name. This account is NOT mine, and it is falsely showing late payments and a charge-off on my credit report. I have never opened an account with Kickoff Lending, nor authorized any transaction with them. This fraudulent account is severely damaging my credit and must be removed immediately. 

Account Details : Creditor Name : Kickoff Lending Account Number : XXXX Reported Issue : Late payments, Charge-Off Affected Credit Bureaus : XXXX, XXXX Kickoff Lending is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 609 of the FCRA, I am entitled to dispute inaccurate information on my credit report. The information about this account is fraudulent, and Kickoff Lending is required to investigate this dispute and resolve it in a timely manner under Section 611 ( a ). 

In addition, the Consumer Financial Protection Bureau ( CFPB ) and FCRA require that when fraudulent activity is reported, the information must be removed within 4 business days under the Consumer Data Industry Association ( CDIA ) guidelines. The failure to act on this dispute promptly is a violation of those regulations. 

Other violations Kickoff Lending may be committing include : Failure to Investigate Fraudulent Claims Under FCRA Section 611, they are required to investigate disputes and remove inaccurate information within 30 days. This has not been done, and I am demanding immediate resolution.

Failure to Provide Notice of Reinvestigation Results Under FCRA Section 611, they must notify the consumer within 5 business days of the results of the reinvestigation, but I have not received any such notification.

Inaccurate Reporting Kickoff Lending is violating FCRA Section 623 by reporting information they can not verify as accurate, particularly since I have no relationship with them and can not be responsible for this account.

Failure to Update Information Under FCRA Section 605B, they must block any information resulting from fraudulent activity once notified of identity theft.

As part of my efforts to resolve this matter, I have already filed a report with the Federal Trade Commission ( FTC ) to document this fraud and initiate an investigation. I expect Kickoff Lending to comply with their obligations under the FCRA and rectify this situation immediately.

My demands are as follows : Immediate removal of the fraudulent account from my credit report or I will immediately take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

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 explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it. 

XXXX/XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX/XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00}

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