vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment to CitiBank to pay off the remaining balance on my balance transfer offer in the amount of {$2400.00} that is due on XX/XX/XXXX. The payment was not allocated to the balance transfer to pay it off ; it was allocated to the highest interest-bearing amount, then to the balance transfer payoff, which would not completely payoff my balance transfer by the due date of XX/XX/XXXX resulting in interest being charged to the remaining balance of my balance transfer. 

I spoke with CitiBank on XX/XX/XXXX, to ensure the payment I submitted in the amount of {$2400.00} would be allocated to pay off my balance transfer that was expiring on XX/XX/XXXX. I first spoke with XXXX, who was very helpful in letting me know she could not help and would need to transfer me to a supervisor. The supervisor I spoke with also could not reallocate my payment, so I was transferred to his supervisor, XXXX. XXXX was less than helpful in stating no CitiBank employee could process a reallocation of my payment. A referral was to be submitted, but they could not guarantee the allocation would take place to pay off my balance transfer in the amount of {$2400.00}. I asked to speak with XXXX 's supervisor, and she advised me she was the supervisor for account services, and I would need to contact the corporate office, which she offered to provide me with the address, as well as letting me know that no one at the corporate office has the ability to reallocate the payment I made and it would take 15 or more business days for the corporate office to get back to me. 

According to the CARD Act of 2009, " A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which the interest is deferred. '' Therefore, my payment should have been allocated to my balance transfer that was expiring on 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 explanation
Consumer complaint received 2025-02-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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 2025-02-17 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC XXXXb regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following accounts noted on my credit report were disputed using the TransUnion online dispute portal ; however, Transunion failed to remove inaccurate information on my report. 

XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/year>. Transunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 

XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/XXXX, XXXXTransunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 

XXXX XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/XXXX, XXXXTransunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 


These debts were disputed because XXXX ) I am not liable for the debt with XXXX Bank XXXX. and I do not have a contract with XXXX XXXX XXXX. XXXX ) I am not liable for the debt with XXXX XXXX XXXX, and I do not have a contract with XXXX XXXX XXXX. XXXX ) I am not liable for the debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with original contracts when requested. 

Additionally, these same accounts were recently disputed with XXXX and they were deleted due to inaccuracy.

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 2025-02-17 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: GA

Complaint narrative:
To provide further context, I have diligently managed my accounts and have always ensured payments were made on time. However, the credit bureaus have inaccurately reported late payments XXXX, which have negatively impacted my credit score. I have contacted the credit bureaus directly on multiple occasions to dispute these errors, but they have not taken corrective action, and the incorrect information remains on my report. 

I am requesting that the Consumer Financial Protection Bureau assist me in addressing this issue and ensure that the credit bureaus are held accountable for correcting the inaccuracies on my credit file. As a consumer, I should not be penalized for errors that are beyond my control. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to further substantiate my claim. 
I kindly ask that the CFPB intervene in this matter to ensure the prompt removal of these erroneous late payment entries and that the credit bureaus are compliant with the Fair Credit Reporting Act ( FCRA ) in rectifying these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To provide further context, I have diligently managed my accounts and have always ensured payments were made on time. However, the credit bureaus have inaccurately reported late payments XXXX, which have negatively impacted my credit score. I have contacted the credit bureaus directly on multiple occasions to dispute these errors, but they have not taken corrective action, and the incorrect information remains on my report. 

I am requesting that the Consumer Financial Protection Bureau assist me in addressing this issue and ensure that the credit bureaus are held accountable for correcting the inaccuracies on my credit file. As a consumer, I should not be penalized for errors that are beyond my control. I have attached supporting documentation, including payment records and correspondence with the credit bureaus, to further substantiate my claim. 
I kindly ask that the CFPB intervene in this matter to ensure the prompt removal of these erroneous late payment entries and that the credit bureaus are compliant with the Fair Credit Reporting Act ( FCRA ) in rectifying these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Closed Loan Account - Request for Immediate Removal Under 15 U.S.

Code 1635 & 15 U.S. Code 1692g Dear CFPB Representative, I am formally disputing the continued reporting of a closed loan account from OneMain Financial on my credit report. This account, which was closed on XX/XX/year> and has a XXXX XXXX  balance. yet it remains on my credit report in a way that negatively impacts my credit standing. I am invoking my rights under 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ) to request the immediate removal or correction of this account. 



Details of the Disputed Account : Creditor Name : OneMain Financial Account Number : XXXX Account Type : Unsecured Loan Account Status : Closed ( due to refinance ) Highest Balance : {$2200.00} Opened On : XX/XX/year> Closed On : XX/XX/year> Legal Basis for Dispute : 1. 15 U.S. Code 1635 - Right of Rescission Under this statute, consumers have the right to rescind certain credit transactions within a specific timeframe. Although my account was refinanced and paid in full, the continued reporting of this account in a manner that impacts my credit could be seen as a violation of fair credit reporting principles.

2. 15 U.S. Code 1692g - Debt Validation Requirements This law requires that any reported debt be properly validated and accurate. Since the account was refinar, closed, and paid in full, its continued presence on my report in a manner that negatively affects my credit could indicate improper reporting practices by the creditor or credit bureaus. 

I am requesting that the CFPB immediately investigate this matter and direct the appropriate credit bureaus ( XXXX, XXXX, and XXXX ) to remove or correct the reporting of this account. I have attached supporting documentation, including account statements and payment history, to verify my claims. 

I expect a written response within the timeframe outlined by law regarding the actions taken on this matter. If further documentation is required, I am prepared to provide additional details upon request. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

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

Company 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 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called capital one.They said the car was sold at an auction and that they was going to send me documents about the sell.It was sold and 2023.But I never received any information or documents about this sell.Also I did t get a XXXX form about the sell or if was wrote off as a taxes write off for the company.They said I own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-17 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Please reconsider. I honestly just opened it so I could get paid from a guy I sold some propane tanks from on XXXX. I had XXXX $ on venmo and I had to wait until my card came in the mail in order to withdraw the funds and I was broke. I really needed the money so I tried all my cards and none of them would work for me to transfer the money too. So I tried my mom 's. She was on the phone with me, they didn't work either. Then my dad 's. None again. So my fiance XXXX XXXX was with me and we tried hers. You can look at my statement I sent and see her name appearing on it several times from us transferring back and forth. She lives with me. She will send her i.d and her picture or whatever is needed. But I guess we used a card of hers that she was using on her venno also. 
I don't feel like this is worth losing {$250.00} in which I earned legally and legitimately. You understand mistakes happen. Please release these. I don't want to go to the next step. I am currently in need of this money badly in order to survive!!!! 
Show quoted text So that was the last thing I sent him. And the company 's venmo. They said that I first need to send my ID with a picture of me so I did that and then they wanted a copy of the bank statement from the account I tried to add on there to send the money to off that venmo account to another bank and I did that it was my fiance and that didn't do anything so I never heard back from him after they told me that document wouldn't work. So I wait about a month and them again and they wanted a copy of the bank statement with the specific numbers to the account and so it was my time and so I took a bank statement I sent it to him then they came back and said we can't release the funds we're closing the account permanently. So I don't understand what they're doing and how they can do this and I desperately need the money back. Please help me all I've done is sell some stuff on XXXX got sent the money on venmo and try to transfer my money from venmo to a bank account so I can withdraw and they have completely Frozen stole my money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: MI

Complaint narrative:
I received a letter and an attempt to collect a debt I do not own. Key Bank has sold this debt ( they actually created ) to XXXX XXXX XXXX and this debt was never mine. Key Bank has sent a letter acknowledging this, see attached. 

Please see CFPB reports : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-17 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: NV

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

Company 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 2025-02-17 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

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

Company response to consumer: Closed with non-monetary relief