vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never signed up with a membership for Experian. It has some super old card on there and randomly they tried to charge me XXXX dollars and they dont even have my current card number so I dont know how they are attempting the charge. It wont give me the option to cancel online and when I call to cancel it says I dont have a paid membership even though they are trying to charge me and it refuses to transfer me to a live agent so I have no way of contacting anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX I was notified by XXXX that I had a XXXX Notice posted to my credit report. I have received no communication regarding any debt that has not been paid. I immediately called the company ( Credit Management Company ) who posted the collection notice after XXXX provided me with the phone number. I spoke with an agent and requested that they email me information on the debt that was being collected. He emailed me a letter showing a debt in the amount of {$1000.00} to a company called XXXXXXXX  of XXXX XXXX XXXXXXXX. The debt was from a medical visit in a hospital on XX/XX/XXXX. After searching my XXXX XXXX XXXX for that date I discovered an XXXX  with a match in the amount of {$1000.00} which had been put under review by XXXX for documentation related to the visit by XXXX XXXX XXXX XXXX XXXX. I called XXXX and asked them the status on this claim. They said that the Dr never submitted documentation on the visit. They said that XXXX XXXX XXXX a preferred provider and was responsible for submitting the documentation. XXXX tried to contact this Dr but had to leave messages. I was able to reach the Dr myself who advised me that the company who she worked for at the time went bankrupt ( XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. She said she would help me to track down what was going on. She is currently working with me to figure out how to resolve this. XXXX XXXX contacted the Director of Medical Billing ( XXXX XXXX ) at XXXX XXXX XXXX. This is the hospital where the visit took place. XXXX XXXX  contacted XXXX and submitted documentation regarding the visit at the hospital on XX/XX/XXXX. 
Since the company filed bankruptcy in XX/XX/XXXX and my claim was in XX/XX/XXXX they NEVER sent me any form of communication before selling the debt to Credit Management Company. Credit Management Company NEVER sent me any form of communication before submitting this false debt to my credit which has dinged my credit by XXXX points. I did have an XXXX credit score!!!!!!!! I have never had a collection notice posted to my credit! EVER! I believe this Credit Management Company to be in violation of the Fair Debt Collection Act by not notifying me and giving me an opportunity to resolve this issue before hitting my credit!!!!!!!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had fraud on my bank account and it drained it down to {$0.00} so my GM payment did not go through. I let GM know what happened and that as soon as the money is back I'll make the payment and get caught up. I even filed a police report and sent them the case number. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
These requests appear to be unauthorized and perhaps fraudulent, and I am not aware of them. I ask that this issue be resolved right away. For more information, please read the materials that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Case # XXXX This was sent to CFPB XX/XX/XXXX. 
This case was closed and the issue was NOT resolved. 

CITIBANK still have not refunded me my money from deposited check on XX/XX/XXXX. I am constantly getting the runaround from everyone that is supposed to assist me with this issue. 
I was informed by Citibank Manager to contact the Office Analyst- Citibank in which I did and I spoke with Office Analyst XXXX at Citibank /Tele XXXX XXXX, who informed me that the funds can not be released until the IRS has completed an investigation. However, as previously discussed, the IRS is not aware of any active or pending investigation related to this matter, other than what has been referenced by Citibank.

At this time, I am requesting that you please contact the Citibank Fraud Department to clarify the status of this alleged IRS investigation and to authorize the release of funds to XXXX XXXX as appropriate. If further documentation or verification is required from the IRS, please advise so we may facilitate a resolution as quickly as possible. Your assistance is greatly appreciated. If you could provide me with an update at your earliest convenience, I would greatly appreciate it. 
Name : XXXX XXXX Case # XXXX Debit Card # XXXX Social # last-XXXX Email : XXXX Current reachable # XXXX Citibank case 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XXXX I requested this information but did not get it please respond through the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I am submitting a complaint to formally dispute an inaccurate late payment that has been reported on my credit report. I believe that the information being reported is not correct, and I would like to request that you investigate this matter and update the information accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
As I am not connected with this unauthorized account, I request that it be immediately removed from my credit report. I also ask for a comprehensive examination to fix any more errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I am a victim of identity theft. I am receiving phone calls and letters via U.S. mail of harassment, profane language and threats of being sent to jail and prison from Radius Global Solutions LLC for a debt collection account from XXXX XXXX, whichs the result of identity theft. I never ordered or received any goods from XXXX XXXX. Radius Global Solutions Account Number # : XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a text from Citizens Bank on Tuesday XX/XX/XXXX alerting me to a charge that had been declined from XXXX for XXXX. I was instructed to call in to confirm the fraudulent charge. I called immediately but because of call volume had to wait on hold for XXXX minutes or so. When I did get through, I was told that I would have to file a claim and shut down my card. I was passed to another bank employee, who filed the claim for me but told me also that the charge had been re-submitted and approved on the XXXX attempt. That meant that the {$99.00} was now on hold in my account, even though I reached them as quickly as I could, given their overloaded system, to confirm that this was not legitimate. The claim was filed and I was told that I would probably get the XXXX back the next day. They did not issue a provisional credit so I did not get it back the next day and this charge overdrew my account, causing XXXX small charges, which all would have cleared, to trigger overdraft fees of {$35.00} each. My account being overdrawn was entirely the banks fault and they still charged me fees. I got even more fees over the next few days. I called in numerous times to ask for relief and was told I just had to wait for the bank to give me back the fraudulent amount. They did on Thursday night, at which point I had probably XXXX fees. The fees they promised to return too, but later, meaning that I have been overdrawn for days and racking up fees. This has been traumatic for me, a XXXX XXXX XXXX retiree with a very small fixed income and no way to access other funds. I feel that this whole nightmare was entirely the banks fault. I deposited a check for XXXX on Saturday and had an unemployment benefit come through Monday of XXXX and yet today, Tuesday XX/XX/XXXX they claim I am still overdrawn. This is absolutely disgraceful and want all the fees returned at the minimum. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Closed on our property on XX/XX/year> with 15 % down and an assed yearly tax amount of $ XXXX. this year we received our tax bill and our property taxes doubled. not enough in escrow to cover it and our monthly payments will be going up by $ XXXX best case scenario which we can not afford. 

there was a senior freeze tax exemption on the property prior to purchase that was not going to roll over for the entire year of XXXX we were not made aware of this at any point in the closing process. She took the closing costs and sold off our loan before we had even made our first payment. 

My wife, XXXXXXXX XXXX  and I are now being forced to sell to avoid eventually missing payments. 
whether it was intentional or accidental on the side of the lender, this was a serious oversight and needs to be address. they will not return my calls. if it was caught, it would have been clear we would not have been able to afford this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank provided me with a relationship manager who has always worked very well and honored his word. Last year we noticed we had too many CDs that were not FDIC insured. He assured us they were so we let it go. Later we did the math and realized they were not. There were too many CDs to qualify. He later admitted they were partially insured but he'd fix it when the CDs renewed. Ok fine.

We sent an email reminding him to contact us before he renewed the CDs. He did not respond and the CDs were renewed for a MUCH lower rate and were still not distributed so they would be insured. We did not get any response. I called the bank and was told that he quit.

I never got a returned email. I was never informed he left.

I asked them to break the CDs so we could fix this but they said no. For six weeks, I have been told things looked good and just wait but now I'm being told I will be charged {$1700.00} per CD to fix this error. I have nine CDs so this really adds up. Plus we always had breakable CDs but now these are locked in for a year so we can not access the money.

Citibank assured us we'd be taken care of as a Citigold member. That simply wasn't the case. I can't even get anyone is upper management to call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXXXXXX # XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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