vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I have been working with this company for years. I always used a south side branch in XXXX but another branch XXXX talked me into moving my loan to her branch and it has been XXXX every since. 
I am being harassed and I am not 30 days late. When I missed a payment in XXXX because I was in the hospital, I made it up by making the payment I missed and the coming payment the following month. I cant do that this time. I am not 30 days late with my payment but these people call me ALL DAY EVERY DAY like I dont pay anything and that is not true!! They have called me while I am at work and they were bold enough to call me on my job using my job number and every creditor knows that is a no no. You never call people on the job. They called my cousin, who I used as a reference after I was told every time I refinanced a loan that " they will never call my references ''. My cousin was very upset and said she was going to file a complaint. 
The last time I took a call from them it was the XXXX of the branch calling, I asked her could she give me a break with all the phone calls. She told me no! I told her '' as a consumer I have rights too '' she told me " no you dont '' that is when I ended the call because then I knew there was no talking to her. 

I make my payment over the phone with the payment system I was advised to use. every payday when I was with the south side branch. 

Also with this company, when you call to get a pay off balance, they give you XXXX separate balances. By my records with this refinance I have made XXXX payments on a XXXX loan. They are reporting to the credit bureau that I owe XXXX of a XXXX loan. By my records, I made XXXX payments of XXXX plus the late fee. 
When I call the payment system I make the payment that is requested in its entirety. I NEVER MAKE PARTIAL PAYMENTS!! 

Again I have never had this problem, I have paid off loans without a refinance and after this one I definetly do not want to be bothered with this company. No one should have to endure this harassment every day all day and on XXXX and especially while I am at work. I am sitting in a meeting and the phone is ringing. I can't turn my phone off because it could be XXXX of my doctors. 

I want to be sent back to my old branch where they know how to talk to people and work with people and not be talked to like I am not a person and I do not have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX while out of the country, i received and email from Citibank stating my account will be closed and now its restricted from any use. I've contacted Citibank the same day as i was out of the country without any access to my funds to get more information and No information was provided. As stated previously, i was also NO longer was able to use any of my funds and to log into Citibank online to see any information including any activity. I was told i will be receiving a letter explaining why my accounts were restricted and slated to for closure. The balance in the checking account was around {$1800.00}, and in savings account around {$650.00}. I do not know exactly as stated before, i ve opted out for electronic statements and i no longer have access to log in and view statements as they are only available online. 
Upon returning home at the end of XXXX, i contacted Citibank again, i was told again they do not have any information to share with me i should wait for a letter from XXXX team. Few weeks went by again, and i contacted Citibank again, as to when i will be receiving my funds to receive the same answer as before, " no information account and need to wait for a letter from XXXX team '' I've also asked to have account statements sent to me and that had also not been done. 
On XX/XX/XXXX i received a check for {$500.00} dollars with XXXX explanation but states in a memo " closeout disbursement '' This far less then the account balance of around {$1800.00}. I contacted Citibank on XX/XX/XXXX again and was given the same answer as above again. " no information and need to wait for a letter from XXXX team '' I've asked again to get all the funds sent out to me out of my account and i was told not sure what happened to the remainder funds and " no information account and need to wait for a letter from XXXX team '' I have contacted NY XXXX and filed a complaint on XX/XX/XXXX. XXXX had provided additional direction and to file complaint with federal authorities considering this is Federally registered financial institution. 
I have contacted Citibank again XX/XX/XXXX in the morning and again received the same answer as " no information account and need to wait to get an answer from XXXX team '' Representative had confirmed that this would be a XXXX request that had gone to the XXXX team, and XXXX others requests have been done before without any action. All Calls are recorded by Citibank i encourage regulators listen to these calls. 
as of this writing XX/XX/XXXX, Citibank is still holding my funds and have NOT returned my funds from my checking account in the amount around {$1200.00}, and Savings account around {$650.00} dollars, nor provided any information, or statements of the XXXX accounts.

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 2025-03-28 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Would like for all negative reporting to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$2000.00}

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 2025-03-28 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-28 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-28 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My former student loan servicer, Navient, is furnishing inaccurate information to credit reporting agencies regarding loans that were transferred to a new servicer ( XXXX ) several months ago. Navient continues to report these loans as " Open Accounts '' with outstanding balances, causing the same debt to be reported twice on my credit report ( specifically on XXXX ). 

Details : Loan Transfer : On or around XX/XX/XXXX, I received notification from Navient confirming that servicing for the student loans listed above would be transferred to XXXX, effective XX/XX/XXXX. ( Evidence : Transfer notification email previously provided/can be attached ). 
Persistent Inaccurate Reporting : Despite the transfer completing approximately XXXX months ago ( as of XX/XX/XXXX ), Navient continues to inaccurately report these loans as open and active under their name on my XXXX credit report. For example, the loan with ID ending in XXXX is listed as open with a balance under Navient and listed as open with a balance under XXXX. ( Evidence : Credit report snippet previously provided/can be attached showing double reporting for loan ending XXXX ). 
FCRA Violation : Under the Fair Credit Reporting Act ( FCRA ), Navient, as the transferring furnisher, has a responsibility to update the status of these accounts with the credit bureaus to accurately reflect the transfer. The accounts should be reported as " XXXX '' or " Closed '' with a {$0.00} balance under Navient. While the historical record of the account with Navient might remain on my report for accuracy, it absolutely should not be reporting as an active, open debt owed to Navient. Navient has failed in this duty. 
Previous Actions : I have disputed this inaccurate information with the credit bureaus. While XXXX and XXXX seem to have corrected the issue, XXXX has failed to remove or update the inaccurate Navient tradeline. This complaint is focused specifically on Navient 's failure to ensure its reporting was corrected post-transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-28 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: NY

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner are reporting on XXXX XXXX AND XXXX that I owe outstanding debt of {$1400.00}. I DO NOT OWE THIS. ITS FALSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX several charges were made to my XXXX ( through XXXX ) credit card totaling {$33000.00}. I received a Fraud Alert text from XXXX on XX/XX/XXXX in regard to a charge from SP ARCHIVE. I never clink links, but went into my XXXX account and saw 10 fraudulent charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted XXXX, they shut the card down, listed the charges as disputed and asked several questions so they could investigate the fraud.

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 2025-03-28 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-28 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
Umpqua Bank is reporting an account with a XXXX balance sent to collections but there is no such account.

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 2025-03-28 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-28 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Due to fraudulent behavior with my account, I noticed there's a balance of {$550.00} on my account and I did not authorized any transaction. My phone, personal information, emails, and banking accounts has been comprised. I am disputing any and all unauthorized transactions with the Vystar Credt Union checking account XXXX. 

I have addressed the issue here at the local branch after paying off the remaining balance of my visa credit card. I then ask if there's any remaining balance owed the young lady stated, " No, XXXX XXXX XXXX you're all set. '' I then proceeded with returning all visa and debt cards back to the bank teller afterwards. 

I am a victim of fraud. 

Thanks in advance, 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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