vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: RI

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
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NH

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this 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 explanation
Consumer complaint received 2025-04-25 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Action was taken on XX/XX/year>, regarding accounts. The account continues to show up an open on my report. 
( 4 ) accounts with a XXXX balance continues to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I was pre approved by one main financial for a personal loan of {$9100.00} and they refused to give me {$9100.00} rather they wan na give me {$1500.00} and when I asked why because my credit score is good.I have XXXX credit score that made them to approve my loan application initially and afterwards they are playing tricks with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently opened a Citi Simplicity card to utilize a balance transfer promotion. I entered ( correctly ) the credit card number tied to the account I wanted to pay off via the balance transfer offer. Their automated system identified the destination bank information wrongly, and the payment was sent to a bank unrelated to me. 

I reached out to my bank that holds the credit card I attempted to pay off, verified they had not received the payment, and then asked my bank XXXX XXXX XXXX XXXX XXXX ) if they'd stay on the line while I attempted to get a Citi representative on the line for a XXXX way call. 

I did successfully manage to do so. They were able to tell us what bank the payment actually went XXXX, a bank I have no connection with out on the west coast. They were able to reach out to the wrong bank and verify the payment did indeed go there, but were unable to provide any further information. The citi representative was supposed to reach out to me on the XXXX to follow up on retrieving the payment from the wrong institution, and sending it to the correct one, but has not followed up. 

I tried reaching out to her today but the call center will not transfer me directly to someone, but did note that she was supposed to reach out today ( XXXX ). I have not received correspondence. 

This is deeply concerning as myself, and the representative from my bank ( Visions ) did confirm with Citi that the card/account number I provided was accurate, yet the funds ended up somewhere else. I currently now have a balance of XXXX $ XXXX on this Citi card, funds that I have no receipt of. 

I was informed that there are no direct extensions, numbers or email addresses within Citi for correspondence, and that I will have to call the generic customer service number and work through layers of managers and supervisors every time I want to follow up. This is incredibly painful and stressful, as I now owe $ XXXX on a balance transfer that I did not receive.

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 2025-04-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Sage LLC
State: CA

Complaint narrative:
On XX/XX/year>, I entered into a contract with Credit Sage and was charged an initial fee of {$290.00} for their services. After conducting further research, I found that Credit Sage has received multiple negative reviews, which raised concerns about their reputation. As a result, I decided to contact them on XX/XX/year>, to cancel the service and request a refund. 

During my call with a XXXX, I was informed that a refund was not possible because services had already been initiated. However, the XXXX also stated that the company has a refund policy in place, but it is only provided verbally and not in writing. The XXXX claimed that this refund policy was explained to me during the initial call, which is not true. At no point during my initial call was I informed of any such refund policy, either verbally or in writing. 

Upon reviewing my contract and the information provided to me, I found no written refund policy and no record of the verbal policy that the XXXX claimed to have explained. This misleading information has caused confusion and left me with the impression that I was not given all the necessary details when I signed up for their services. 

I have made reasonable efforts to resolve this matter directly with Credit Sage, but I have not been provided with a satisfactory solution. Given the inaccurate and misleading information provided by the XXXX, I am requesting a full refund of the {$290.00} charge, as I believe I was misled and charged for services I no longer wish to pursue. 

Thank you for your attention to this matter, and I trust this issue will be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I XXXX XXXX pulled all three of my Credit reports and I discovered that I am a victim of Identity theft due to the fact that I have XXXX unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my Credit report. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my Credit report file. Please send the above information to each Vendor so that they can remove the item from my Credit File. I can send you a copy of the Police Report and List all of the Items that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I attempted to send a zelle payment for {$1500.00} today to pay rent and my account has been frozen with no explanation. Im not able to visit a local branch to withdraw funds, and I was told to just wait for an email for an update on my 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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I receive an an email on XX/XX/year>. the email stated my account was on a pre legal track. I received more emails on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time it stated it was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XX/XX/XXXX, a payment that I had initiated days prior was supposed to post to my account and did not. I noticed that there was a returned payment so I anticipated the standard XXXX day hold on the payment. I have checked with my bank and have verified that payment was received but the hold was not lifted. I called today, XX/XX/XXXX, and asked why. I was told that they needed to make sure that the payment would go through and that my account would be on hold until XX/XX/XXXX, almost a full month later. I was told that there was nothing that could be done about it but I know that they were able to lift holds from my account before. I began recording the conversation, as is my right in the state of Montana, and I was told that I was not allowed to. The supervisor then disconnected the call. 

A XXXX hold is significantly longer than the typical maximum holds allowed by Regulation CC , even under most exception scenarios ( which often cap around XXXX business days ). While Regulation CC allows for holds for a " reasonable period '' under certain exceptions, and banks might have internal policies for high-risk situations ( especially involving potential fraud or mobile deposits on newer accounts ), a XXXX hold is unusual and would likely require a strong justification by Capital One under the " reasonable cause to doubt collectability '' exception or another specific high-risk flag. 

Banks are required to disclose their funds availability policies and must typically notify you if they place an extended hold beyond their standard schedule, explaining the reason and when the funds are expected to be available. 

This is unacceptable! I know that Capitol One has been in a little bit of trouble lately, and many people are turning to platforms like XXXX to voice their complaints about similar issues. I think that something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western Management Consultants
State: MN

Complaint narrative:
On XX/XX/year> someone calling from the number XXXX called XXXX seperate times in a row, and they left a voicemail. A XXXX, not named in the voicemail, stated that this was my final warning, and that if I did not respond someone would " show up at my place of employment and at my place of residence ''. In addition to calling me, they also called my mom, dad, brother, and partner. They stated the same thing to them as they did to me. They left a number to call back, XXXX. 

On XX/XX/year>, I called the number listed in the voicemail, which was XXXX. I spoke to a XXXX who stated the reasoning for the calls the day prior, the amount of the debt they were calling about, that it was from flexshopper, and the date the debt originated. He stated that the voicemail was from a contracted company who left that voicemail. I stated that no matter who called regarding the matter, my rights were still violated under the FCRA and that no one is allowed to threaten myself or my family. I stated that I would be filling a complaint to resolve the matter and prevent this from happening to myself or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal has continue to report XXXX negative credit card Charge off on my Credit report with a balance. A charge can not have a balance because it's charged off. Thus is a clear violation of my consumer rights according to FCRA. A charge off account is just that. Navy federal can not continue to try and collect on a debt that has been settled thru charge off. That's double dipping. They can not sell the debt either. I want Navy federal to send me a XXXX. According to the I.R.S it's taxable income for me. I will be reporting Navy federal to the i.r.s.for the bad practices. I do not owe Navy federal anything. It has been charged off and that's the end of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I joined Coinbase in XX/XX/year>. I only had an account for about a month. I deposited funds from XXXX Bank XXXX XXXX account a handful of times. The last time, my deposit was rejected and my account suspended and terminated without cause. I explained in detail that I was purchasing a stable coin from Coinbase and sending it to my XXXX app. XXXX is a crypto coin that only allows users to trade for it on their app/exchange. Coinbase has refused to help or even give me the opportunity be reinstated. I am XXXX verified with them, and they still wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: DE

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

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 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