vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent an online payment, through Citibusiness bill pay, to our landlord XXXX XXXX in the amount of {$28000.00}. 

On XX/XX/XXXX I was advised by XXXX XXXX that they never received the payment. When I checked our Citibusiness online account, I was able to confirm that the amount of {$28000.00} was removed from our account. When I looked at the transaction details ( attached ref # XXXX ) I saw that the check, that had been intended for XXXX XXXX, was altered to someone named XXXX XXXX XXXX and had been cashed. Upon seeing this I called XXXX XXXX, my Citibank business manager, for advisement on what I should do. 

On XX/XX/XXXX Citibank customer service was contacted to advise them of the fraud that had occurred. We were given a case number ( XXXX ) and we were advised that someone would be in contact with me ( through mail and email ). 

On XX/XX/XXXX I got the letter attached to this email, which made no mention of this payment being made to a fraudulent individual, or any sort of investigation that had been initiated by Citibank. 

On XX/XX/XXXX, I called Citibank customer service to let them know that the letter I had received made no mention of any sort of fraudulent activity. After another hour and a half of explaining the details of this matter, I was given another case number ( XXXX ) and again advised that someone from Citibank would be in contact with me. 

On XX/XX/XXXX, I still had no correspondence with ANYONE from Citibank regarding the missing funds and, once again, called Citibank customer service with XXXX XXXX again on the call. Once again, I explained the reason for the call and the representative who said that he could see our case number and confirmed my contact information. For a fourth time I was told that someone would be in touch with us from Citibank. 

On XX/XX/XXXX an email was sent to XXXX ( XXXX ) after more than a month from initially calling Citibank regarding the {$28000.00}, to let her know that I had not received ANY communication from Citibank. 

On XX/XX/XXXX, through my Citibank business manager, I was asked to go to a local Citibank branch to sign an Affidavit regarding the altered check. 

On XX/XX/XXXX an email was sent to XXXX XXXX in reference to this matter ( see attached ). 

On XX/XX/XXXX another email was sent to XXXX XXXX ( attached ). 

On XX/XX/XXXX I received a phone call from XXXX, who stated she is with the Citibank complaint department. She advised me that this matter is being investigated by TD bank, since that is the bank that cashed the fraudulent check. I explained that I am a customer of Citibank, NOT TD bank and this issue should be corrected for me with a full refund of the money that was withdrawn from 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 2025-04-07 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Incorrect Late Payment Reporting Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.

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 2025-04-07 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: TN

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-04-07 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: AZ

Complaint narrative:
Late Payment ( XXXX ) XXXX XXXX - Account Number : XXXX - Past Due Amount : {$0.00} My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There were hard inquiries from XX/XX/XXXX to XX/XX/XXXX that are unauthorized and I want to get them removed immediately there some from XXXX, capital one, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAP ONE VIA DEALER, XXXX XXXX XXXX these are the companies that I received hard inquiries from that I had no part of and need them removed I did lose my wallet 2 or three times and thats the reason why those inquiries are there someone else was tryin to use my credit to get a car or possibly a loan that I didnt know of so please can we get these removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have filed a previous complaint through the CFPB. Transunion responded that the account on the request was deleted from my credit report. This account is still showing on my credit report. The previous CFPB complaint is XXXX. The account in question is XXXX XXXX Account Number : XXXX Balance : {$2500.00}. Transunion responded " XXXX XXXXDELETED '' however this is still showing on my credit report. Please remove this account from my report immediately. Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to this fraudulent account, as required by law within 4 business days upon receipt of this letter. I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been harassed by two different companies for the same debt. I believe this is owned by someone else other than the original creditor. I was in a financial hardship and i was unable to continue making payments. I tried to discuss with one of the collection agencies who contacted me. I was unable to resolve due to them being unreasonable. shortly after I was contacted by a different agency for the same account. I receive emails text messages and calls from both. I logged into the link they both sent, and they are both showing the account as open and active with their companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have paid off tens of thousands of my student loans and my school ended up closing. I am unable to obtain a copy of my records and have called to request them multiple times with nothing being found. The school closed years ago but im still paying loans on something that was never provided to me. I was also granted approval for student loan forgiveness under the Biden administration, which i understand was thrown out at a certain point.

The point is I feel like I am paying for nothing and have spent $ XXXX in paying these loans back with roughly {$10000.00} to go. Life has been difficult as I now have a child and am living in a part of the country with no family or friends so expenses are adding up and we are just staying afloat. I can not pay off the last little bit and it just keeps accruing interest which puts me further an further in the hole and I have nothing to show for it as my school was closed. I spent tens of thousands of dollars with nothing to show from it. Its disheartening and honestly, demoralizing to be in debt daily by student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
One of the account taken over by idenity theft is $ XXXX the email associated with this account is not mine and in 2023 I reported this account and 3 other accounts of mine that have been stolen and I was locked out of and still locked out of to cash app customer service and got told it was basically my fault that I did this to myself there is 21 withdrawals to 2 different bank accounts that were opened in my name that I did file identity theft paperwork and police reports on that these withdrawals went to I did let cash know what was going on and got no where same questions over and over again just to be told it was me and even now I filed again like I do every month since 2023 thought I was getting somewhere cause I actually talked to pretty people just to get told that they dont see anything wrong other than I was in violation of something they never flagged my account they never even looked at my other accounts that have money missing from them are the 21 charges based from XXXX all the way to XX/XX/XXXX of 2023 in the images that I have attached are the conversations and transactions from just this one account and the conversation is back all the way from 2023 till now so you could see I did report it. They did nothing and theyre still trying to not take accountability for this because they were let know the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-07 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: AR

Complaint narrative:
I have opened to disputes through the CFPB for the removal of an account on my credit report. Equifax has responded and closed both disputes citing that the account has been removed from my credit report. This account is still showing as a closed account on my credit report! Previous CFPB complaints are XXXX and XXXX. The account in question is XXXX XXXX Account Number : XXXX Balance : {$2500.00}. Both complaints were closed with the response from the company being : " Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ". 

This account is still showing on my equifax credit report. Please remove this account from my report immediately. Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to this fraudulent account, as required by law within 4 business days upon receipt of this letter. I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: States Recovery Systems, Inc.
State: NC

Complaint narrative:
received a letter dated XX/XX/year> stating an amount due. Provided a XXXX XXXX XXXX XXXX and a XXXX XXXX  XXXX XXXX XXXX XXXX number. I live in XXXX. it was a settlement letter. No other contact has been made by this company. There was no dispute information enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
Equifax, Experian and Transunion, did not satisfy my legal and lawful demands. Equifax, Experian and transunion knowingly and willingly, reporting inaccurate data. Equifax, Experian and Transunion are currently reporting inaccurate names, addresses, phone numbers and emails. Equifax, Experian and Transunion have victimized and cause me financial harm, due to their inaccurate reporting. Equifax, Experian and Transunion are currently inaccurately reporting on ( XXXX ) Past late payments - XXXX XXXX ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX ) Equifax, Experian and Transunion to validate any and all debts currently on the records to produce payment history, wet signatures, certified copy of social security card , certified copy of any and all identification provided. 
Equifax, Experian and Transunion are also reporting inaccurate data via Derogatory marks/ Negative marks ( XXXX ) - XXXX XXXX. Charge-offs. 
Equifax, Experian and Transunion to show and prove, payment history, wet signature. 
Equifax, Experian and Transunion to show and prove, a legal and valid agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
Equifax, Experian and Transunion, did not satisfy my legal and lawful demands. Equifax, Experian and transunion knowingly and willingly, reporting inaccurate data. Equifax, Experian and Transunion are currently reporting inaccurate names, addresses, phone numbers and emails. Equifax, Experian and Transunion have victimized and cause me financial harm, due to their inaccurate reporting. Equifax, Experian and Transunion are currently inaccurately reporting on ( XXXX ) Past late payments - XXXX XXXX ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX ) Equifax, Experian and Transunion to validate any and all debts currently on the records to produce payment history, wet signatures, certified copy of social security card , certified copy of any and all identification provided. 
Equifax, Experian and Transunion are also reporting inaccurate data via Derogatory marks/ Negative marks ( XXXX ) - XXXX XXXX. Charge-offs. 
Equifax, Experian and Transunion to show and prove, payment history, wet signature. 
Equifax, Experian and Transunion to show and prove, a legal and valid agreement.

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