vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Received the following email from Citibank on XX/XX/year> at XXXX AM ; " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Since then, I have contacted Citibank numerous times in person at a branch, online and by phone to 1 ) be given an explanation as to why the account was closed. More specifically, what rule I violated. 2 ) have the {$1600.00} that was in my checking account returned to me. To which they refuse to provide any detail.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
My mortgage payment with Freedom Mortgage Co was lowered by $ XXXX starting XX/XX/year>. I mistakenly thought that lower payment began XX/XX/year> therefore I was {$65.00} negligent on my XX/XX/year> mortgage payment. I ignored their communications since I had paid my mortgage payment and did not realize until I got the XXXX statement that I made a mistake and I corrected problem immediately. This happened all within approximately 30 days time in during I was negligent only {$65.00} which was promptly repaid. During that time my mortgage company did not credit any of the money I paid toward my mortgage which made it seem as though I was a month behind in payments, reflecting negatively on my credit report. I have not been late ever and have excellent payment history with Freedom Mortgage in the nearly 3 years since the took my mortgage over from the previous lender with whom I also had a stellar record. However, after numerous conversations with them they refused to reverse the misinformation sent to credit reports, which has impacted other accounts and loans of mine.

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 2025-03-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to request assistance in closing my savings account. I have been trying to close the account for several years, but have been unsuccessful in doing so. Despite my repeated efforts, I continue to receive letters with my account information and balance, but I am unable to close the account. 

I kindly request that you look into this matter and assist in resolving it as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name , if known ]. The disputed information pertains to the account listed under DENEFITS LLC, with the account number ending in XXXX. 

According to 15 U.S. Code 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information in my credit file and have it corrected or deleted.

The specific inaccuracies I have identified are as follows : 1. **Balance Amount** : The reported balance of {$880.00} does not reflect my actual account status. 
2. **Payment History** : The account history indicates a status of " Over 120 Days Past Due, '' which is incorrect. My last payment was made on XX/XX/XXXX, and the account should not be reported as past due. 
3. **High Credit Limit** : The high credit limit reported as {$870.00} is inaccurate. The correct high credit limit should be {$590.00}.

I have attached a copy of my credit report and highlighted the disputed items for your reference. I request that you investigate these discrepancies and correct the inaccuracies in my credit report as required by law. 

Please provide me with written confirmation of the results of your investigation and any corrections made to my credit report. If the information is found to be inaccurate or can not be verified, it must be deleted or corrected promptly. 

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

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
This account was charged off on XX/XX/XXXX. I've reached out to Upstart several times, and here 's a few dates to name a few, over the last couple of years. Some of the dates being, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, for the balance of {$6500.00}, to name a few dates. Each time they sends me a later which states they don't have the loan or any information. I've asked you'll for help before because this is reporting on my credit report. Not only is it an error on my report but it's being reported as a charge off several times which makes the account stay longer because it's being re aged and that's illegal. 

This is a formal complaint that they're reporting inaccurate and incomplete credit information. 
This following information has been included in my credit profile and that the procedures have not ensured maximum possible accuracy in the reports they've published. Credit reporting laws require bureaus to report only fully accurate information, and every effort must be made to ensure its correctness. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please DELETE this misleading information and supply a corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Accounts associated with another persons name is being reported on my Experian credit report. I have been trying to get them to update/ remove the untrue and innacurate information for 4 months. I have sent in police reports, FTC reports, my drivers license, my social security card, letters from the creditors stating I do not have any accounts and a utility bill and still exoerian has still failed to remove the false info from my report. Please help.

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 2025-03-23 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. 
THD/CBNA : The information on this account has not been certified to meet any reporting standards, and is therefore unreliable. I demand that any incorrect, incomplete, or unsupported material be deleted.

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 2025-03-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am ling this FTC Identity Theft Adavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX, Acct # XXXX, a credit card account opened at XXXX  XXXX XXXX, Acct # XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Acct # XXXX, and a credit card account opened at XXXX  XXXX on XX/XX/XXXX, Acct # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All of the accounts above, collections, late payments, charge-offs, and hard inquiries result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments, charge-offs, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. 

1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and your scoreoliaze gh the FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Subject : Dispute Handling Issues with Santander Regarding Unauthorized Charge by XXXX I am writing to file a complaint against Santander regarding a dispute I filed that was handled improperly. I had an issue with an unauthorized charge made by XXXX after I canceled an order. The details of the issue are as follows : XXXX. **Dispute Issues** : Santander grouped XXXX disputes together into XXXX, which led to an all-or-nothing situation. Even though XXXX of the charges should have been refunded to me, the dispute was denied because the other charge was not eligible for a refund. I requested that the representative not group these disputes together, but my concerns were ignored, and the representative failed to address the issue properly. 

XXXX. **Order Cancellation** : I canceled an order due to XXXX mistakenly XXXX an old credit card instead of my updated debit card. I was told that the order was canceled, but it was not. I never received the meal, and XXXX charged my updated debit card without authorization for an order I did not receive. 

XXXX. XXXX XXXX : - I contacted XXXX to resolve the issue, but they refused to correct the charge. 
- I contacted Santander to dispute the charges, but they failed to fix the issue. Instead, they added a second small dispute to the report, which was not authorized. 
- I was only provided XXXX dispute number despite the separate charges and clear distinction between the legitimate dispute and the erroneous charge. 

XXXX. XXXX XXXX : I do not dispute the {$13.00} charge related to the canceled order, ************but I do dispute the {$32.00} charge from XXXX for the canceled order, as no food was delivered, and I never authorized the charge to my updated debit card. ************************** I request that the CFPB investigate this matter and assist in resolving the improper dispute handling and unauthorized charge issues with Santander and XXXX. I seek a refund for the {$32.00} charge made by XXXX. 

Thank you for your assistance.

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 2025-03-23 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: WA

Complaint narrative:
I used Key Banks bill pay function. I paid XXXX separate payments to same vendor on different days {$360.00} ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). I am notified by vendor on XX/XX/XXXX that I am past due {$740.00} no payments have been received. I call Key Bank they say that the funds were electronically transmitted and rejected by vendor on XX/XX/XXXX. I call vendor back, they explain that they do not accept electronic payments and never have been set up to accept electronic payments. I call key Bank back and explain this to them. In the mean time I pay the vendor directly with a personal check on XX/XX/XXXX {$740.00} so my account is current and continue my fight with Key Bank. I contact Key bank and they tell me that the money was indeed accepted by the vendor and give me a complaint # XXXX. They tell me that I will be receiving proof within XXXX to 10 days, 7 days transpires and nothing emailed to me with proof money was received and cashed. I call Key Bank back and am told it takes XXXX to XXXX WORKING DAYS FOR THIS INFORMATION TO BE PROVIDED TO ME. I finally get fed up after a few more days by now it's been 10 days call Key Bank back get someone by the name of XXXX and she informs me that my account has been credit back the money. While I am still on the phone with her I check my account and NOPE, nothing and nothing pending either. I tell her this and she then says, well it will take 10 days for the money to show up in your account, XXXX? This has been going on since XX/XX/XXXX it is now been over a month XX/XX/XXXX and I am still waiting for my XXXX to be re-deposited into my account. If Key Bank is going to use a XXXX party vendor for this bill paying service they need to stand behind and audit this companies services. I am being cheated and I am very angry that NO ONE WILL FIX THIS AND GET ME MY MONEY BACK. during this time I spoke with XXXX different employees : XXXX, XXXX, XXXX and XXXX. All of them were nice and empathic but I still do not have MY MONEY THAT IS OWED BACK TO MY ACCOUNT.

Company response to consumer: Closed with monetary relief