vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Citibank regarding the sudden closure of my XXXX XXXX  account and the withholding of {$13000.00} that I transferred from my XXXX account. 

I am a Venezuelan citizen and was in the United States temporarily when I opened a Citibank account to safely store my XXXX funds. In good faith, I transferred approximately {$13000.00} USD from my XXXX account to Citibank. Shortly after the transfer, Citibank closed my account without explanation and informed me that they would mail me a check with the remaining balance. 

It has now been over three months, and I have not received any check or reimbursement. I have made multiple phone calls to Citibank, and during my most recent call, I was told that they have no intention of returning the funds. This is unacceptable and has caused me severe financial stress. 

All the funds are legitimate and from personal sources. I am more than willing to provide any necessary documentation to prove this. 

I am requesting the immediate return of my {$13000.00} or a detailed explanation in writing from Citibank. I am filing this complaint because I have exhausted all other reasonable means of resolving this issue directly with the bank. 

Please investigate this matter and help me recover my funds. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to file a formal complaint against multiple creditors and/or debt collectors for their continued reporting of approximately XXXX ( XXXX ) charged-off accounts on my credit report without having issued IRS Form 1099-C as required under federal law.

Background According to my most recent credit report obtained from Equifax, I have numerous charged-off accounts listed as delinquent and unpaid. However, to date, I have not received any IRS Form 1099-C ( " Cancellation of Debt '' ) for these accounts from the original creditors or any subsequent debt buyers, despite these accounts having allegedly been " charged-off '' or otherwise cancelled as far back as XX/XX/year> Legal Violations 1. Violation of IRS Regulations ( 26 U.S. Code 6050P ) Under IRC 6050P, any financial institution, including banks and credit card issuers, that discharges an indebtedness of {$600.00} or more must file a Form 1099-C with the IRS and furnish a copy to the debtor.

These accounts were allegedly charged off and not pursued through collections, yet no 1099-C has been issued, indicating either : - The debt has not been cancelled and is thus being misrepresented as a " charge-off '' ( a misleading designation ) ; or - The debt has been cancelled, and failure to issue 1099-C violates federal tax laws.

2. Violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ) Credit furnishers have a legal duty to report only accurate and verifiable information to the credit bureaus. Reporting a debt as charged-off without disclosing the cancellation ( and without issuing a 1099-C ) creates an inaccurate and misleading consumer file. 

3. Violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) If a debt has been cancelled and is no longer owed, yet still being reported or collected upon, this constitutes a false representation of the character, amount, or legal status of a debt under FDCPA 1692e ( 2 ).

Please confirm receipt of this complaint and advise me of any additional documentation you may require. I am prepared to submit copies of my credit reports and statements supporting these claims upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am writing to file a formal complaint against multiple creditors and/or debt collectors for their continued reporting of approximately XXXX ( XXXX ) charged-off accounts on my credit report without having issued IRS Form 1099-C as required under federal law.

Background According to my most recent credit report obtained from Equifax, I have numerous charged-off accounts listed as delinquent and unpaid. However, to date, I have not received any IRS Form 1099-C ( " Cancellation of Debt '' ) for these accounts from the original creditors or any subsequent debt buyers, despite these accounts having allegedly been " charged-off '' or otherwise cancelled as far back as XX/XX/year> Legal Violations XXXX. Violation of IRS Regulations ( 26 U.S. Code 6050P ) Under IRC 6050P, any financial institution, including banks and credit card issuers, that discharges an indebtedness of {$600.00} or more must file a Form 1099-C with the IRS and furnish a copy to the debtor.

These accounts were allegedly charged off and not pursued through collections, yet no 1099-C has been issued, indicating either : - The debt has not been cancelled and is thus being misrepresented as a " charge-off '' ( a misleading designation ) ; or - The debt has been cancelled, and failure to issue 1099-C violates federal tax laws.

2. Violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ) Credit furnishers have a legal duty to report only accurate and verifiable information to the credit bureaus. Reporting a debt as charged-off without disclosing the cancellation ( and without issuing a 1099-C ) creates an inaccurate and misleading consumer file.

3. Violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) If a debt has been cancelled and is no longer owed, yet still being reported or collected upon, this constitutes a false representation of the character, amount, or legal status of a debt under FDCPA 1692e ( 2 ).

Please confirm receipt of this complaint and advise me of any additional documentation you may require. I am prepared to submit copies of my credit reports and statements supporting these claims upon request.

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 2025-05-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Received a notification about a hard inquiry on my equifax report from TD Bank-Target. I then contacted target XXXX  was informed that a credit card account was opened today. When I contacted the fraud department, the email XXXX  license number used did not match my own. They said they will send me a questionnaire XXXX verify XXXX  that it will take up to XXXX  days for the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA

Complaint narrative:
I received a letter on XX/XX/year> dated XX/XX/year> from ACE Cash Express stating that I owed payment for a loan that I did not apply for. I believe that this was an attempt at postal phishing. I have never opened up an application with ACE Cash Express for anything. I found their number online and called a representative who searched me by my phone number and stated that there was not an existing loan. I needed to make sure that my identity had not been compromised. Next I came here to report this scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
" I was utterly shocked XXXXd devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX provide the necessary information. I demand immediate action XXXX transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 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: Block, Inc.
State: FL

Complaint narrative:
I never authorized cash app to use my card on XXXX separate transactions. Cash app never pays an amount when there is no funds to pay it. My account had the funds the following day and then it was taken out when it was never authorized. The balance would not cover the amount. I believe cash app is doing fraud in my account. The amount. {$15.00} at XXXX on XX/XX/year> and the XX/XX/XXXXtransaction for {$26.00} XX/XX/year> XX/XX/XXXXXXXX both for XX/XX/XXXX XXXX XXXX. The amount that my niece deposited was XXXXXX/XX/XXXX at XXXX on XX/XX/year>. Why did they take my money. Also I never authorized this. 

My name is XXXX XXXX XXXX and married name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX  provide the necessary information. I demand immediate action XXXX transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX  types of credit products involved, furnish relevant application documents, XXXX  present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2025-05-23 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief