vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
This account is reported as charged off on different dates across all major credit bureaus and since the account entered charge off status it has repeatedly been updated as charge off every month for each bureau. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX has illegally updated the terms to be {$0.00} per month paid for XXXX  months and is reporting payments to the owed balance, on the charged off credit item. 
XXXX  illegally changing the date of first delinquency to XX/XX/XXXX is clearly an attempt to alter the statute of limitations and is an infringement upon my rights as a consumer. 
XXXX has illegally changed the high balance of the credit item within Transunion to reflect a steady increase in the debt owed. 
XXXX has reported with all credit agencies that the balance is Charged off and has reported a Profit and Loss with the Internal Revenue Service for tax year XXXX. However, I have not received ANY documentation to report as income, they are also still reporting a past due amount, and increasing the balance every couple of months on my credit report. 
On top of all of these obviously illegal practices by the creditor, XXXX continues to attempt to collect the debt while having sold the debt XXXX XXXX to another debt collection agency that continues to harass and call myself and my family. Yet the status of the credit item does not reflect any transfer/sale of the reference debt. 

Experian, Transunion, and Equifax failed to investigate this account property and that neglect has violated my rights/ I am demanding a deletion of the following account. 

ACCOUNT NAME : XXXX - ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
XXXX dollars in fraudulent charges were made to my Ally credit card to XXXX in XXXX of XXXX. I notified Ally of the fraud as soon as I became aware of it on XX/XX/XXXX. I also notified XXXX on that same date, XXXX was able to verify the charges were indeed fraudulent, provided me a case number yet said the charges must be dealt with in a dispute with the credit card company ( Ally ). Allly intends to make me pay for the {$1000.00} fraudulent charges the next billing cycle on XX/XX/XXXX despite I notified them of the fraud on XX/XX/XXXX and have also provided them the information from XXXX. Ally has been saying now for XXXX weeks they are mailing me paperwork to fill out regarding the fraud and to date, I have received nothing.

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 2025-04-13 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: OH

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything 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 explanation
Consumer complaint received 2025-04-13 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: TN

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My husband and I used Citi Cards thank you points for a flight to Florida ( from DC ) and a car rental in XXXX XXXX. When we arrived, XXXX XXXX refused to allow us to use the thank you points, indicating that Citi Travel had used the wrong code, a code only for foreign travelers. After spending over an hour on the phone with Citi from the XXXX XXXX, Citi declined to intercede with Budget and refused to reimburse us for our payment to rent a car from XXXX. ( the line at Budget was too long at that point ). We paid {$370.00} for the rental ( in my husband 's name, XXXX XXXX ). Citi said it could restore to us the thank you points we had used, but that would not remedy its mistake. I am XXXX XXXX XXXX and my husband is XXXX and we are not in the best of health. We have no plans for and no expectation of further air travel. If we cashed in the thank you points we lost, it would not come close to reimbursing us for the cost of the rental. It has been over 3 weeks since we wrote to Citi Travel, and we have received no response. 
Incidentally, the Citi agent who had booked our reservations spoke very limited XXXX, requiring us to take 2 hours to make our reservation, and misspelled my husband 's last name, requiring us to take additional time to correct his name on the airlines ticket.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 - 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 - 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
i had a loan with XXXX XXXX XXXX XXXX XXXX XXXX i made all payments on time .i refinanced the loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX payed off my loan with ally.i regularly check my credit and saw that ally reported that i made my two last payments 30 days late.i contacted XXXX XXXX XXXX and was told that they paid XXXX  the full balence owed on time and that ally was wrong for reporting any late payments th loan was for my XXXX XXXX XXXX XXXX  wich i still own.i was never late with XXXX  and want my credit to be updated to show that..

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 2025-04-13 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: WA

Complaint narrative:
i had a loan with XXXX XXXX XXXX XXXX XXXX XXXX i made all payments on time .i refinanced the loan through XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX off my loan with XXXX.i regularly check my credit and saw that XXXX  reported that i made my two last payments 30 days late.i contacted XXXX  XXXX XXXX and was told that they paid ally the full balence owed on time and that ally was wrong for reporting any late payments th loan was for my XXXX XXXX XXXX XXXX wich i still own.i was never late with XXXX  and want my credit to be updated to show that..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: WA

Complaint narrative:
i had a loan with XXXX XXXX XXXX XXXX XXXX XXXX i made all payments on time .i refinanced the loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX off my loan with ally.i regularly check my credit and saw that ally reported that i made my two last payments 30 days late.i contacted XXXX XXXX XXXX  and was told that they paid XXXX  the full balence owed on time and that XXXX  was wrong for reporting any late payments th loan was for mXXXX XXXX XXXX XXXX XXXXXXXX wich i still own.i was never late with XXXX  and want my credit to be updated to show that..

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 2025-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Me and my agent have an extensive papertrail of poor communication between us and the short sale department not responding timely or with the information requested, delaying the sale of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
Please do NOT DELETE THE BELOW ACCOUNTS. As previously clearly stated, the below 2 accounts should be REPORTING and ADDED to my credit report. I did not previously see them when CFPB XXXX was filed. Instead, your team has INCORRECTLY deleted them. Please REINSERT. The banks have been in touch with you multiple times to do the same, and my request via CFPB XXXX was MORE THAN CLEAR. Please confirm these have been RE-ADDED : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
The bank returned founds from another bank check and charged me after they noticed it was a scam.

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I fell behind on payments on my ally credit card. I brought account back to current and brought account under the credit limit. However company states that my account is restricted and cant use the card for 3 billing cycles.

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 2025-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Account had a negative balance and the account was restricted and I had no access to fix the problem. I was told to send a cashiers check to fix it and have the account restored and access granted. I sent 2 checks total which put my account in a positive balance, the account now has over {$2000.00} in it. However, after fixing the problem and doing everything that was requested of me the company still will not unlock my account and give me access. They say the account is " under review '' but will give no information on this. Every representative has said something different. One says the account will be unlocked today, then one says it could take a year! They will not tell me who is reviewing it and/or tell me an actual timeframe and they said there is no way me or them can contact the persons reviewing the account and that I have to " wait it out '' without saying how much time that is. Its already been several weeks and they are withholding over {$2000.00} from me and will not assist in any way.

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, or thereabouts. I found some suspicious withdrawals on my online bank account with Regions Bank. ( The Regions bank located on XXXX XXXX, XXXX. ). 
I was forced to call Regions Bank at : XXXX and cancel the previous card and request a new card be mailed out ASAP. 
Regions Bank then mailed out a replacement card that was useless. It would not activate. After about a week calling back and forth attempting to get that card to work, they said they would mail out another replacement card. ( This was on : XXXX, XX/XX/XXXX. ) I went through the process over the phone with the Regions Bank representative, and I was told that the new, Replacement card was in process and would be mailed out immediately. 
That was another XXXX XXXX  ago ... and still no card has arrived in the mail!! 
I have been without any debit card since XX/XX/XXXX! Today 's date is : XX/XX/year>!! 
I called Regions Bank XXXX XXXX  ago and all they could tell me is that they mailed out the card on XX/XX/XXXX or XX/XX/XXXX. 
I have been without access to any debit card for XXXX XXXX  to this point! I have no access to any funds for groceries, to pay for gasoline, clothing... nothing!!! 
Please, HELP!! 
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 explanation
Consumer complaint received 2025-04-13 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: VA

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 explanation
Consumer complaint received 2025-04-13 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please Id like to remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I won XXXX from legal settlement I won, and half was in form of a check in the amount of XXXX and a second payment of XXXX via wire transfer from my lawfirm. I opened an account at BMO bank and went into branch on haven in XXXX XXXX, and deposited it into my account. They said it would take 9 business day before it could be available. When it cleared, i went to withdraw and got declined. For whatever reason I had to call fraud and unlock my card. Then I was able to make to purchases before I went to the branch to withdraw XXXX cash they said I could not get. I left the bank went to make a 3rd purchase it declined. I went back to the bank and the branch has put a freeze and locked me out of my account and refused to tell me why. I am being profiled and discriminated against.

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