vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Violation of Fair Credit Reporting Act ( FCRA ) - Inaccurate and Unauthorized Reporting Account Information : Account Name : XXXX XXXX  Account Number : XXXX Complaint Details : I am submitting this complaint to address the inaccurate and unauthorized reporting of late payments by XXXX XXXX on my credit report. Specifically, this issue violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : Unauthorized Reporting : You have reported late payment information without my explicit written permission, which contravenes 15 U.S. Code 1681b ( 2 ). I did not provide any written instructions or authorization, including a wet signature, for such information to be shared or reported. Inaccurate Reporting : The account in question is inaccurately reported across the three major credit bureaus : XXXX : Reflects a positive payment history. XXXX and Equifax : Report 90 days past due, which is factually incorrect. This inconsistency demonstrates non-compliance with Section 611 of the FCRA, which mandates the reporting of accurate information to ensure fairness and accuracy in consumer reports. 
Impact on Creditworthiness : This inaccurate and unauthorized information is severely impacting my ability to obtain credit. The false reporting of late payments is unjustly lowering my creditworthiness and causing undue harm. Requested Resolution : I respectfully request the CFPB to conduct an immediate and impartial investigation into this matter, including : Verification of whether XXXX XXXX has obtained my written permission for reporting this information, with documentation of my wet signature. Validation of the late payment entries and correction of any inaccuracies in compliance with the FCRA. 
Confirmation that all inaccurate and unauthorized entries are removed from my credit reports. A detailed written response outlining the investigation findings and any corrective measures taken. I trust that your agency will address this matter promptly to protect my consumer rights as guaranteed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I got a phone call on my mobile, the contact stated Citibank and I answered, I was told it was a Citibank staff who needed me to sign on and assist with stopping a transaction of funds from XXXX. I did as requested and went to my XXXX to see that an attempt was made to sent {$1500.00} to XXXX XXXX ( unknown to me ) and the traction had failed. The Citibank staff said to me again someone is attempting to send {$1500.00} and we need you to try the failed attempt again. As this was happening I asked my daughter to call the telephone number associated with the XXXX XXXX that we saw on the XXXX screen. She called the telephone was picked up and quickly disconnected. 
I hung up on the Citibank caller but I had already sent the try again transfer. 
When I hung up the caller called back but I did not answer .I immediately called the number on the back of my Citibank card explained the situation and said some one has {$1500.00} of my money because I thought it was a Citibank staff calling me, the person said it was a scam. I had lost {$1500.00} to a person I believed to be Citibank. She transferred me to Fraud or investigations, they took my statement ( recorded ) and said this account will be closed and, new card issued. 
Eventually Citibank sent me a letter saying the XXXX {$1500.00} appeared regular and with out suspicion and they would no further investigate not offer a reinstate. If they looked at my transaction they were all the same and never this amount. 
Then two weeks ago I got a letter from Citibank about the situation saying they never sent me the investigation results. I have loss faith in my bank

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 2025-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Have been trying to use an Amex gift card that is repeatedly being declined by XXXX and XXXX for XXXX and XXXX respectively. The Sees charges are showing as pending in Amex but the Sees site declined the charge. 

The card is XXXX and over {$800.00} is in pending charges. 

The card is not working for me on other sites, either. 

When I called Amex, it was a purely automated system and its advice was try other sellers. Not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citibank began to take XXXX a month without notice nor approval from my checking acct beginning XX/XX/XXXX. I signed a document for Institution that the charges were unauthorized XX/XX/XXXX I advised Citibank that after many tries, they never showed me anything that validated the charges, and never heard from them again, thought it was a dead issue I was later denied a credit card because of their false reporting XX/XX/XXXX I got demand letter from XXXX XXXX XXXX, collection agency, and Citibank had sent the issue to them, further damaging my credit The attached documents are self explanatory

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
A few minutes ago I tried to transfer money via XXXX from my NSB account to my XXXX XXXX account and it wouldn't work many attempts. Finally it said it was sending then I received this account freeze as attached saying " Profile On Hold '' and to call them, tried to call them and their center is closed. 

How many times I have to go through this and how the CFPB does NOTHING to these banks freezing people 's money, preventing people from accessing their money for simply " Trying to spend it. '' Please do something this behavior by Nevada State Bank is in violation of many federal laws. 

**Additionally they assessed my savings account a charge of {$10.00} for Excessive Withdrawal Fee. The limit of 6-withdrawals per calendar month from the Fed was eliminated, these fees are illegal.

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 2025-01-06 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-06 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to Transunion XXXX XXXX and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.

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 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
in XX/XX/year>, around {$30000.00} of accrued interest was capitalized without reason. Multiple attempts including letters, calls, complaints were made however it was never corrected. 

In XX/XX/year>, my total balance randomly went up from around {$370000.00} to now {$380000.00} without explanation. There should not be any increase in balance as interest rate is set to 0 % due to forbearance. MOHELA is yet to respond to this. 

I have raw files of student loan data from Studentaid.gov at different points in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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/year> I asked all of these companies to mail me a copy of the 1099-C that each company got a tax right off and not one company sent me a response or a copy of the 1099-C. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my 1099-C as soon as possible.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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  I asked all of these companies to mail me a copy of the XXXX that each company got a tax right off and not one company sent me a response or a copy of the XXXX. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my XXXX as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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/year> I asked all of these companies to mail me a copy of the XXXX that each company got a tax right off and not XXXX company sent me a response or a copy of the XXXX. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my XXXX as soon as possible.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
Complaint Description : I am filing a formal complaint against Axos Bank regarding their inaccurate credit reporting practices for my auto loan account # XXXX. The vehicle associated with this account was voluntarily surrendered on XX/XX/XXXX, yet Axos Bank has continued to report late payments through XXXX and XXXX, which is factually inaccurate and misleading. 

Additionally, Axos Bank has failed to issue a 1099-C form for this account, despite the account being charged off. This failure to issue a 1099-C form raises concerns about potential double recovery and non-compliance with IRS reporting requirements.

I have submitted an IRS Form 3949-A to report this potential tax fraud, and I request that the CFPB investigate Axos Banks credit reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

This document outlines the discrepancies and inaccuracies in Axos Banks reporting of my auto loan account # XXXX to the credit bureaus, as well as the concerns raised regarding Axos Banks compliance with federal reporting requirements.

1. Inaccurate Late Payment Reporting : Axos Bank has continued to report late payments on my auto loan account through XXXX and XXXX, despite the vehicle being voluntarily surrendered on XX/XX/XXXX. This ongoing late payment reporting is inaccurate and misleading. 

Example : XXXX reports late payments in XXXX and XXXX. 
XXXX reports late payments in XXXX and XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), furnishers of credit information must ensure that all reported information is accurate and complete. Axos Banks continued reporting of late payments after the vehicle was surrendered violates this requirement. 

XXXX. Discrepancies in Account Balances : There are discrepancies in the account balances reported to the credit bureaus : XXXX XXXX : {$14000.00} XXXX Balance : {$14000.00} These inconsistencies indicate that Axos Bank may not be providing accurate and consistent information to the credit bureaus. Furthermore, it raises concerns about whether Axos Bank has correctly reported the charge-off amount to the IRS. 

3. Failure to Issue a 1099-C Form : Axos Bank has not issued a 1099-C Cancellation of Debt form for the charged-off balance. This raises concerns about potential tax fraud and double recovery. If Axos Bank claimed a tax deduction for the charge-off without issuing a 1099-C form, they may have violated federal tax laws.

4. Conclusion : The inconsistencies in Axos Banks reporting have caused significant harm to my credit profile and financial well-being. I have submitted a formal complaint to the IRS regarding Axos Banks potential tax fraud, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Axos Banks reporting practices to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation