vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XX/XX/year> Purchase ( {$93.00} ) I did authorize on my XXXX  XXXX credit card utilizing " Tap '' function at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In a matter of a few days, I was alerted by my banking app regarding transaction activity/credit checks that I did not authorize nor recognize. Below is a quick summary of these findings and actions taken. 

XX/XX/year>XXXX XXXX XXXXXXXX Credit Card fraudulent charges in the amounts of : {$540.00} ( XXXX XXXX ) {$460.00} ( XXXX XXXX ) {$22.00} ( XXXX XXXX ) * Disputed charges with bank, closed account, ordered new credit card XX/XX/year> Unrecognized credit inquiries I never authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Contacted Credit Bureaus ( XXXX XXXX XXXX XXXX Fraud alert placed for XXXX year Authorized credit freeze XX/XX/year> Contacted Credit Bureau ( XXXX  ) Authorized credit freeze

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 2025-04-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : [ XXXX, Equifax, TransUnion ] [ Credit Bureau Address ] Subject : Dispute of Inaccurate Charge-Off Reporting Account # XXXX XXXX Dear TRANSUNION XXXX  EQUIFAX I am writing to formally dispute the reporting of an account listed on my credit report from XXXX XXXX XXXX ( Account # ending in XXXX ). According to the information provided by the creditor, this account is being reported as a charge-off. However, I have received a direct written response from the creditor stating that they have not filed a Form 1099-C for this account because no cancellation of debt has occurred.

Under the Fair Credit Reporting Act ( FCRA ), credit information must be complete and accurate. According to the Metro 2 guidelines, an account can not be accurately reported as a charge-off unless it meets specific criteria, including accounting and IRS standards , which often involve the issuance of a 1099-C when applicable. The lack of a 1099-C raises doubt about the legitimacy and accuracy of the charge-off status as currently reported. 
I am requesting that this account either be removed to reflect the accurate status or be removed immediately entirely from my credit file Sincerely, XXXX XXXX Please Remove both accounts # XXXX amount XXXX XXXX XXXX XXXX thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX  XXXX has an account in my name that is fraud. I have attached a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
Repeated XXXX  calls from various numbers all starting with ( XXXX ) XXXX all saying Hello, we are calling with an important message from XXXX XXXX XXXX XXXX XXXX XXXX this call is from a debt collector. Please call XXXX. 

For the record I have NO outstanding debt. They are harassing me and it needs to stop. This has been going on for several months. I block one number and they call with a different ( XXXX ) XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
On XX/XX/XXXX, Citibank abruptly closed our checking account and informed us via letter that the remaining balance of {$4000.00} would be returned by check. We never received this check. 

This account was used solely to receive rent payments from our property manager. We made multiple attempts to contact Citibank by phone, but they refused to provide any detailsonly stating the account was closed due to " fraud. '' At the time, we were living abroad and unable to resolve this in person. 

When we returned to the U.S. in XX/XX/XXXX and visited a Citibank branch, a manager finally disclosed the issue : Citibank had flagged two deposits ( dated XX/XX/XXXX and XX/XX/XXXX, each for {$3200.00} ) made by our rental agent, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. The problem was that XXXX business name appeared in the To/Receipt field instead of our account name. Based on this minor clerical error, Citibank shut down the account and froze our fundswithout any notice or opportunity to clarify or resolve the matter. 

Citibank then required XXXX to sign a Hold Harmless Agreement to release the funds. He complied and submitted the signed document on XX/XX/XXXX, with notarization. After receiving this, Citibank abruptly introduced a new requirementa Uniform Indemnity Agreement signed by XXXX bank XXXX XXXX XXXX XXXX, which they had never mentioned previously. 

XXXX XXXX refused to sign the document, rightfully stating that this is a matter between Citibank and its account holder, not their responsibility. We agree with this position. Despite this, Citibank continues to unlawfully withhold our {$4000.00} without justification. 

We did nothing wrong and have fully complied with Citibanks original demands. Their decision to freeze our funds, move the goalposts, and ignore their own letter promising to return the money is unacceptable. 

We have been loyal Citibank customers for over 25 years, and we are extremely disappointed by the lack of transparency, shifting demands, and refusal to release our funds. We believe this is a violation of consumer protection laws and respectfully request the Consumer Financial Protection Bureau to intervene. 

Requested Resolution : We are requesting that Citibank immediately release the {$4000.00} to us or return it to the original sender. There is no legitimate reason to continue holding these funds.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing inaccurate personal information listed in the address section of my Experian credit report. Two addressesXXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXXare incorrectly associated with my file. These addresses were added without my authorization or verification and have no valid connection to me. Their presence is misleading, harmful, and violates the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ), which requires Experian to ensure maximum possible accuracy. I am requesting the immediate deletion of these incorrect addresses and for my file to reflect only accurate, verified information. My correct and current address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I expect a prompt correction, written confirmation, and a copy of my updated credit report once the investigation is complete.

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 2025-04-22 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: EQUIFAX, INC.
State: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
" Please cease and desist all calls and contact with me, immediately. '' 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CT

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 explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$77.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The Art Institutes.

There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as XXXX XXXX XXXXXXXX. They held onto my application for 60 days and ended up Denying my application and provided me with the following reason A review of your application was completed by Navient, as your lender or on behalf of your lender, and it has been determined the applicable private student loans are not eligible for discharge due to the following reason ( s ) : A variety of factors are considered in determiningwhether a private loan should be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. There is no actual reason for the Denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX XXXXXXXX tied to these loans. There is no reason my application should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have provided documentation as proof for my husband XXXX XXXX which does show credtirs are reporting inaccurate information which law government states immediately being delete i from your credit report accounts being reported is not accurate. The amount and some accounts has been paid off in full never been late on time payments and Equifax refuses to update the account. Their information does not compare with XXXX  and also XXXX credit report. I have provided all three credit bureaus which shows Equifax records are incorrect my husband credit score shouldn't be adverage. XXXX l been advised to contact attorney due to me constantly bein denied due equfax reports Cfbp this is my final complaint still showin no changes increase. been completed ISending documents district attorney to see if my husband could receivkind payments due to Equifax is reporting incorrect information on their records.iI have provided well enough information as proof for leads instantly removal. still no changes done on credit report account my husband has different family names XXXX XXXX again name does t match means does not belong. My husband information doesn't match means didn't belong my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
Inquires made by someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: PA

Complaint narrative:
Inquires made by someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Please consider this a formal dispute. I am exercising my rights under FCRA 1681i to dispute the accuracy and validity of this entry, which resulted from identity theft. 

XXXX XXXX  XXXX Balance {$2000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance {$3000.00}

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
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX, CA 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 2025-04-22 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: FL

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 explanation