vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: DC

Complaint narrative:
I am filing a follow-up complaint against Citibank regarding my pending refund of {$710.00} for a canceled concert, which remains unresolved despite multiple attempts to rectify the issue. This complaint is directly connected to my prior complaints : Complaint # XXXX ( Filed on XX/XX/XXXX ) Complaint # XXXX ( Filed on XX/XX/XXXX ) ISSUE SUMMARY : On XX/XX/XXXX, XXXX canceled a concert XXXX entitling me to a refund of {$710.00} from Citibank. However, despite my numerous efforts, Citibank has failed to send me the correct refund. 
CITIBANK 'S INNACURATE RESPONSES : ( XXXX ) Citibank responded to my complaints on XX/XX/XXXX and XX/XX/XXXX, claiming that they sent me a check. However, the check they reference is a completely unrelated check # XXXX of {$25.00} related to the closure of the account, which happened in XX/XX/XXXX. ( The XXXX answers are attached ) ( XXXX ) It is absolutely obvious that it's a different check number, amount, and date. That check was cashed in XX/XX/XXXX, which was XXXX months before the concert was even canceled. 
( XXXX ) As of today, Citibank has not sent me an actual picture/scan of a check corresponding to the correct value {$710.00} PREVIOUS ATTEMPTS TO SOLVE THE ISSUE : ( XXXX ) I have called Citibank over XXXX times, but they have not provided a resolution. 
( XXXX ) I sent a written physical letter on XX/XX/XXXX, but I have not received any response after 1 month. 
( XXXX ) I also sent a fax on XX/XX/XXXX, yet I still have not received any response after 1 month. 
( XXXX ) I have submitted XXXX previous complaints : # XXXX and # XXXX. 
( XXXX ) As of XX/XX/XXXX, I have not received a physical check of {$710.00} corresponding to the canceled concert.

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 monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-10 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: TX

Complaint narrative:
Today on XX/XX/year> Equifax was called by myself, to ask why I am not able to login to my online account, after going through many troubleshooting steps Equifax decided to tell me that I do not qualify for online account unless I send them a copy of my social security card, and my identification. During the troubleshooting steps I was sent a link to verify my identity. My identity was successfully identified. I had to upload my Identification, also take a selfie photo. The reason behind needing access to my online account is Equifax is allowing my information such as my social that was included in a data breach and fraudulent accounts to be added to my credit report. Under section 605 B Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

Also unlock my online account for me to access my online report through My Equifax.

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 2025-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today on XX/XX/year> Equifax was called by myself, to ask why I am not able to login to my online account, after going through many troubleshooting steps Equifax decided to tell me that I do not qualify for online account unless I send them a copy of my social security card, and my identification. During the troubleshooting steps I was sent a link to verify my identity. My identity was successfully identified. I had to upload my Identification, also take a selfie photo. The reason behind needing access to my online account is Equifax is allowing my information such as my social that was included in a data breach and fraudulent accounts to be added to my credit report. Under section 605 B Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

Also unlock my online account for me to access my online report through My Equifax.

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 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Request for Interest Reconsideration and Documentation Dear Nelnet Customer Service, I am writing to formally request a reconsideration of the accrued interest on my federal student loans serviced by Nelnet. Specifically, I believe there may have been either ( 1 ) miscommunication regarding the terms of my administrative forbearance or ( XXXX ) an error during the transfer of my loans from Great Lakes Educational Loan Services , Inc. ( GLELSI ) to Nelnet. 
XXXX. Possible Miscommunication or Lack of Proper Notice Your recent response to my Consumer Financial Protection Bureau ( CFPB ) inquiry states that I was notified on XX/XX/year>, that interest would accrue on my loans after the transition from the XXXX forbearance to an administrative forbearance under Borrower Defense to Repayment. However, I do not recall receiving such a notice, nor was it made clear to me that my loans would begin accruing interest after the transfer. 
I respectfully request : A copy of the XX/XX/year>, notice that you referenced in your response. 
Any additional documentation or records showing that I was properly informed that interest would accrue under this forbearance. 
XXXX. Possible Servicing Error During Loan Transfer My loans were transferred from Great Lakes to Nelnet on XX/XX/year>, while they were still under the 0 % interest administrative forbearance due to the XXXX national emergency. If my loans were supposed to remain at 0 % interest upon transfer, then the application of interest may have been an error. 
I respectfully request : Documentation confirming the exact interest rate and status of my loans at the time of transfer from Great Lakes to Nelnet. 
A review of whether any transfer-related errors occurred that may have caused the interest accrual. 
Request for Interest Adjustment If it is determined that I was misinformed or that there was a servicing error, I kindly request that any improperly accrued interest be removed from my account. Additionally, if there is any available relief for borrowers in my situation, I would appreciate your consideration for an interest waiver. 
I appreciate your time in reviewing this request and look forward to your response. Please provide the requested documentation at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OZK
State: TX

Complaint narrative:
This company has been charging me more than {$900.00} in late fees when K was never informed of us and my escrow balance has increased by over {$900.00} without any proof or reasoning why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
Not only are one, but there are over three inquiries about a XXXX of XXXX, which I was never told that they were using or running my credit. They ran my credit not once but three times resulting in a hard inquiry. Also a XXXX XXXX XXXX XXXX, XXXX not even sure what that company is or how they even got my credit to even run. This is very upsetting because I am trying to fix my credit now that I am at a young age before I get older, but for my credit to be ran three times by a car facility and my credit to be run twice by whatever intimate holding LLC company that is is completely Beyond me. I reached out to XXXX of XXXX and was on the phone with someone who barely knew anything about what was going on so Im not sure who Im supposed to talk to anymore and I dont know who holding LLC is to keep trying to contact them. Im unsure why Equifax has these inquiries on my credit. Which is draining my credit down. I not only try to reach out to Equifax but try to inform them that someone is in my email that they keep trying to email and I have no way of getting to that email and have gotten no help to try to get my information on these issues. This is extremely unprofessional, overwhelming, and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: AL

Complaint narrative:
I started a loan with XXXX XXXX XXXX of XXXX alabama tge moment i went through with the loan just days after putting in my down payment and making my first payment on the car they reported a missed payment even though they got paid they continued to mark every month as missed even when they got there money when i went to terminate this loan i told them to come pick it up because they continued to stack on massive fees the entire time i was under contract with them and never one time talked to me about doing this XX/XX/year>2024 is when they come to pick this car up here it is 2 months later and there still reporting missed payments even though they have the car back and continue denying my disputes even though they are the ones telling me to dispute this i need help with this i will never use a financing company again and this is my first vehicle

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 2025-03-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-10 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: FL

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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I made a chime account because I needed a bank for my unemployment benefits so I thought I could trust chime it being a bank and there were just non stop unauthorized transactions and they always allowed me to file a dispute but never resolved any unauthorized transactions that occurred I have documentation and evidence from the merchants through via email explaining what has occurred and that the transactions were unauthorized. I was not able to summit them due to them closing my account to stop any resolution in my case. Which is honestly illegal I provided evidence police report numbers etc and still nothing was resolved they dont help there customer they allow people to hack into peoples accounts and drain there wallets then give you the run around for weeks I had unauthorized transactions with XXXX and they returned my money next day .theres no excuse to take over 2 months to resolve my case its like nobodys even trying to help people resolve these fraudulent charges and I want chime to fix this and return my stolen funds which were used on my chime account totaling over XXXX XXXX dollars. In unauthorized transactions. I have all the evidence to prove these were unauthorized Ive been trying to get this resolved for months they closed my account and I believe that did that because I contacted them about these transactions and they dont wan na return my money which was stolen from fraud on my chime account and there just delaying it more and are not resolving anything which is sad because its money from the federal government / my unemployment support which is for bills and they have made it hard to pay those bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has been damaging my credit. They continue to constantly change the amount increasing it daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252.

Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors.

legislature.mi.gov Please provide the following information : 1. Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g.

2. Legal Authority : Proof that your agency is licensed and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252.

3. Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred.

4. Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency. 
Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XX/XX/year>, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts. 
senatedems.com Compliance with these updated provisions is mandatory.

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> at around XXXX XXXX- I went to the drive-thru ATM for TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX XXXX I submitted my card as usual and requested to withdraw {$500.00} USD. After pressing accept, the machine proceeded to blank screen and reset, resulting in my card being left inside the machine and not having received the withdrawal. As it was Sunday, the bank was closed early. I immediately called TD bank representative and was instructed to file a claim. A claim was filed. After more than XXXX XXXX, the ATM machine was still not working and did not return my card or money. The agent told me that I was okay to leave the ATM. My account was shown XXXX days later to have - {$500.00} withdrawal from the ATM. 

I called TD bank about XXXX weeks later and was told that the claim has been denied. No further information was provided, no details of the investigation was given to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account referenced above, which is being reported on my credit report by I C SYSTEM. The details of the disputed account are as follows : Creditor : I C SYSTEM Original Creditor : XXXX XXXX Ohio Account Number : XXXX Highest Balance : {$1800.00} Last Reported : XX/XX/XXXX Current Status : Derogatory, Placed for Collection This account is being inaccurately reported on my credit file. I am requesting a full validation of this debt, including : Proof that I C SYSTEM has the legal authority to collect this debt. 
A full itemization of the debt, including any fees, interest, and original charges. 
Documentation proving that I authorized this account and that the balance is accurate. 
Any contract or agreement that legally binds me to this debt. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this account. If the information can not be validated, I request that this account be deleted from my credit report immediately. 

Please consider this a formal dispute, and I expect a response within 30 days of receipt, per the FCRA. If no valid proof of this debt is provided, I will escalate my complaint to the appropriate consumer protection agencies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief