vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Citi Cards CBNA for causing me significant harm by closing my credit card account and reporting inaccurate information about my financial status. This action was based on false information that I filed for bankruptcy, which is not true, and the company also added an unauthorized inquiry to my credit report without my consent. 

Issue Summary : Credit Card Company Name : Citi Cards CBNA Account Number : XXXX Date of Incident : XX/XX/year> Details of Harm : Credit accounts closed, limits lowered Incorrect Bankruptcy Information : I was informed by Citi Cards CBNA that they closed my credit card account due to being notified that I had filed for bankruptcy. However, this information is not true. I have never filed for bankruptcy, and it appears that the credit card company either received incorrect information or misinterpreted my financial history. As a result of this false assumption, my account was prematurely closed, which has negatively impacted my credit score and harmed my financial standing. 

Unauthorized Credit Inquiry : In addition to the erroneous account closure, Citi Cards CBNA also added a new credit inquiry to my credit report without my authorization. I did not grant permission for this inquiry, and as a result, my credit score has been unfairly impacted. Unauthorized inquiries are harmful to my credit profile and should not have occurred without my explicit consent.

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 2025-02-27 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: Nelnet, 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. Account name : NELNET LOAN SERVICIN XXXX, has violated my rights. 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
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: VI

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 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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I attempted to make a payment of XXXX to the Az Department of Motor Vehicle. The transaction came back declined by the AZDMV. The checking account with Credit Karma shows it's on hold. I contacted the DMV who confirmed the transaction did not go through. On XX/XX/year> I called credit karma customer service. They would not provide me with any identifying information for the person I was speaking to. They refused to provide me with details about the transaction. I requested proof of the transaction, amounts, where it was being sent, expected reconciliation date so that I could provide it to the dmv. They refused. They indicated that the money would be held until XX/XX/year> and if it wasn't resolved before then I could open a dispute. I asked to speak to someone who could assist in details or provide me with more information or a report on the transaction and was declined. There was no accountability by staff, there was no assistance, there were no details given, there was no proof of the transaction provided, they refused to assist in returning the funds to my account, they couldn't provide a name/department/contact for who the " email only '' escalation team was, there was no identifying information for who I was speaking to on the phone, there was no manager I could speak to and no explanation for why there isn't a manager. The person I spoke to said they are the highest person in the organization and could not assist me nor could I speak to anyone else. They cited " process '' multiple times in response to my requests to speak to someone else or gain access to information on the transaction, the " process '' being that they can not assist in any way other than to email my complaint to an unnamed " escalation team ''. 
The case # XXXX ( if that's truthful )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, as I was expecting XXXX XXXXXXXX Benefits payments, and had heard we would get increase, so when {$5800.00}, appeared into my account : : I having been a XXXX XXXX  in XX/XX/XXXX, and had just moved into house.I purchased much needed beds, Furniture, television, etc paid bills, XXXX weeks later XX/XX/XXXX, my account became negative, $ XXXX, The assistant ( XXXX ) lady came into office as I was speaking to bank officer, first tried to insinuate I had deposited a check, when I dont even use checks, and make No deposits, only my benefits from The US Treasury dept go into it, then she said " '' Oh!, I know what happened this is after I called the XXXX, number night before, and was assured it would be straightened out by me going into bank, I pleaded with them not to take my rent and living money, she said no, and that they had in fact deposited it in error into my account I pleaded with them to not take all as I needed to pay rent, I suffer from XXXX XXXX XXXX and told them of such, they didnt care, I then applied with social workers advice to XXXX organizations, was denied as i was over the income threshold of XXXX yrly, I am at wits end now, I pleaded again for statements to show XXXX organization, when i called her she said " I advise you to redirect your Social Security as we will take that too '', When I tried explaining how dark, and low I was feeling desperation, social worker even called Police to my Door! I ust moved here and embarrased is not the word, No chance to take partial and leave me something to eat and live was denied by Regions, and when I tried to tell them Close this account, she just said come thru the drive thru, " Dont Come Inside '', as to set me up or something, This is outrageous, and the statements dont reflect Regions error. I demand accountability and i am suffering, mentally, emotionally, at threat of losing housing cant pay car note, and insurance and rent with nothing. For this to happen I feel is indicative of some misappropriation, and irregular money transfers that perhaps need FBI, attention, It Should not be legal to take a XXXX Benefits, with no regard, or emphaty, or payment arrangement when they made error. I Am XXXX XXXX XXXX XXXX this cant be American

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 2025-02-28 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 been paying XXXX for over a year. I have two more payment to finish paying them. The other one is for XXXXXXXX XXXX that I paid off. Nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been paying XXXX for over a year. I have two more payment to finish paying them. The other one is for XXXXXXXX XXXX that I paid off. Nothing was done.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Account Number : XXXX I tried to dispute a late payment reported on my credit file with all 3 credit bureaus for the account with XXXX XXXX XXXX account number XXXX. After submitting my dispute letters with proof to all 3 credit bureaus Experian and Transunion sent me a generic email response with no information as to why the late payment wasn't removed but instead they just updated the recent payment amount ( as shown in the before and after dispute picture ) despite sending valid proof. I asked why they didn't remove it and for proof of a proper investigation was done and I have yet to get a response. And Equifax has not responded to my dispute after 30 days.

This late payment is inaccurate and I request that it be removed from my credit report under the Fair Credit Reporting Act. 
The issue in question concerns a late payment for the billing cycle of XX/XX/year>. This account is set up for automatic payments, and I verified multiple times during XXXX that autopay was active. Additionally, I had sufficient funds in my bank account to cover the payment, my card has always been active, and was submitted properly. which further supports that this late payment was not an error made by me. 

In addition : Fair Credit Reporting Act violation 15 U.S. Code 1681e - Compliance procedures. There are multiple discrepancies in the report even after they all updated the report once I submitted the dispute with all 3 credit companies. There is a file I added of the credit report where I have circled each discrepancy and inaccurate reporting. 
Link : 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 




To support my claim, I have included the following documents : -A screenshot and confirmation of autopay being active and autopay working in XXXX and XXXX. 
-Bank statements of XXXX, XXXX, and XXXX showing sufficient funds during the billing period. 
-Email with XXXX XXXX confirming autopay and that the payment was made.

-My Letter to the credit bureaus proving I asked for a written response to this dispute, detailing findings and any changes made to my credit file. 
- The XXXX and XXXX payments. 


-Screenshot of the credit report where I have circled each discrepancy and inaccurate reporting.

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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I am writing to express my frustration regarding my student loans, which were originally with XXXX during the XXXX payment pause. Despite the pause, interest continued to accrue on my loans for the entire three years, resulting in an increase of nearly {$8000.00}. After XXXX sold my loan to Mohela, I found that there are no records of this issue, leaving me in an even more challenging financial situation. I feel stuck in a cycle of increasing debt with no support or resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was on XXXXXXXX XXXX XXXX XXXX looking for a room to rent and a person put an ad up pretending to be renting out a room when in fact they were an affiliate with the company, " Your score and more '', and also " Transunion LLC, Transunion Interactive sending me affiliate links to sign up saying that he needed my credit score in order to rent me a room. I signed up with both websites using my credit card and I was charged {$29.00} with " Trans Union LLC or Trans Union Interactive '' and then " For your score and more '' I was charged, {$1.00} For a seven-day trial. The next day I canceled both memberships. They said from Trans Union that they would refund my money within seven to 10 days. I am going to be waiting to see if I really will get the refund. I got charged a dollar for your score or more, but I don't know if I'll get that as a refund. When I was still communicating with him about the room I sent him screenshots of my credit reports to show him my credit score from the credit monitoring websites your score and more and Trans Union Interactive, he texted me another link to another affiliate credit score website saying he needed a 3rd Confirmation of my credit score to make sure that my credit score was safe for him to rent me the room. That's when I knew it was a scam, and I texted him telling him I knew he was scamming me trying to make money off of his affiliate links with those credit score websites. And when I went to look for the ad on XXXX it was gone.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX has contacted me several times since I sent them a letter in response for their request for payment. I spoke to XXXX from XXXX XXXX when he called on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX asked me how I would like to handle the account and if I wanted to make a payment. I told him I sent a request for documents ( return receipt ) because I disputed the bill they sent me. He started reading the letter I sent him and said he is assigned the debt from the original creditor and asked if I remember my last payment. I told him I couldn't discuss until I received the requested information. He told me that a letter was sent out yesterday. He insisted that I have to take care of it and that collection efforts will continue. XXXX from client services has made me feel extremely anxious and nervous and I could not sleep being fearful that he will continue to call and harass me before I had a chance to examine the documents that I have a right to. Under the FDCPA, I have a right to dispute the debt until it is verified, and at that point, all collection efforts must cease. Although he viewed my letter and stated XXXX was being sent to me, he still proceeded with collection efforts. He has violated my rights under the FDCPA. Not sure if I can attach a voice file. I will try.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
These original credit cards were not authorized by me and I had no knowledge of these accounts. The third party debt collector is now contacting me to repay a debt I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Kikoff Inc.
State: GA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information.

1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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