vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had fraud on my account a few weeks ago. I filed a dispute and was issued a new debit card. No problem. After that I was paid my yearly bonus from my job, via direct deposit, and my account was suddenly frozen. I have received several phone calls from citibanks fraud department, answered every question accurately and they have yet to unfreeze my account. This is causing me to not be able to pay my bills or access any of my funds as all of my paychecks/direct deposits go into this account. I have been a good customer since XXXX. I have opened a case with citibanks executive response unit and my citi reference number is XXXX. My account number ends in XXXX. I live XXXX hours from the closest branch also, very difficult for me to get to an actual branch.

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 2025-03-12 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: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2025 I noticed my wallet and TD Bank debit card had been stolen. I immediately called the company to report the theft of my debit card and noticed unauthorized charges which I then disputed. They gave me a provisional credit and let me dispute the charges. Almost XXXX weeks later on XX/XX/XXXX they took back the provisional credit and put my account in the negative. I then called them to see why and they let me know that my dispute was denied because they determined that the purchases where in line with my usual spending habits which could not be true because I have never purchased with either company I wanted to dispute before the day my card was stolen. So after obvious confusion I asked for another dispute to be opened which was IMMEDIATELY denied that same second meaning it was impossible for an actual human being too look at the evidence provided and come to a conclusion. They however did not let me know it was denied while I was on the phone and only the next day XX/XX/XXXX when I woke up to see an overdraft fee on my account did I realize that not only did they not give me a provisional credit they also charged me an over draft fee. So I called back and they gave me the same explanation which obviously has no basis in reality because I have never shopped with either company. Understandingly I am very frustrated with their unethical and predatory behavior towards me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan # XXXX I have paid off my load on XX/XX/year>. Unfortunately at almost the same time a monthly auto-payment of {$11000.00} was charged wrongly. This money, less interest of XXXX  days, should be returned to me. I received a refund of {$3300.00}, plus another XXXX of {$2000.00} as part of the escrow balance refund, but Mr. Cooper the mortgage lender still owes me about {$5500.00}. I reported to Mr. Cooper this issue on XX/XX/year>, and as of now my case is still " under review ''. By law they are supposed to issue the refund in full within 30 days after the payoff. They are already late, and pls issue me the refund ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am formally disputing inaccurate information on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, and I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing issues such as " sham investigations '' and other unlawful practices. The CFPB identified concerns including : Inadequate investigations that fail to address consumer disputes appropriately. 
Reintroducing previously disputed and incorrect information without explanation. 
Failing to notify consumers effectively about the outcomes of investigations. 
These systemic issues raise concerns about the integrity of the dispute resolution process. I want to ensure that my dispute is handled fairly and thoroughly. 
The inaccurate information I am disputing : XXXX. LVNV FUNDING LLC, they are a debt buyer and have obtained information thats not true and trying to collect funds from me that I do not owe them. As I have never given my permission to use my personal and confidential information to. They reporting monthly on my credit report through you a balance on a debt that I do not owe. I have requested several times now a validation letter without any response or proof from this company. I request that this company stop reporting to you false information and wish for a cease and desist! And immediately removal of this account off my credit report record. 
Under the FCRA, I request that you : Conduct a proper investigation into this dispute. 
Provide a clear and detailed explanation of your findings. 
Supply any documentation you used to verify the accuracy of the disputed information. 
Please address this matter promptly. If the disputed information can not be verified as accurate, I expect it to be removed from my credit report as required by law. 
I appreciate your timely response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
submitting this complaint regarding several closed accounts on my Experian credit report that are negatively impacting my credit score. Specifically, I would like to dispute the Apple Card account issued by XXXX XXXX XXXX XXXX, which was charged off without my knowledge despite my repeated efforts to seek assistance due to financial hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Charged Off Date Opened : XX/XX/XXXX Date Closed : Unknown Charge-Off Amount : {$5700.00} Past Due Amount : {$5600.00} as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX I was unaware that my account was being charged off, and I had attempted multiple times to contact XXXXXXXX XXXX XXXX to request hardship assistance due to financial difficulties. Despite my attempts to negotiate a payment plan or seek relief, the bank failed to provide any meaningful options or notify me properly before charging off the account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, furnishers of credit information must ensure the accuracy and completeness of the information they report. If a consumer disputes an account, the reporting entity must investigate and correct any inaccuracies. Since I was not properly notified or given an opportunity to resolve my account, I believe this charge-off should be removed from my report. 

Additionally, under the Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691, creditors are required to provide equal access to assistance during financial hardships. By failing to offer hardship options or properly communicate my alternatives, XXXXXXXX XXXX XXXX may have violated these protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX ( Closed, Never Late ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Limit : {$1300.00} XXXX XXXX XXXX XXXX XXXX Never Late ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Limit : {$400.00} Although these accounts were closed in good standing, they are still negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c, outdated negative information should not be reported. Since both of these accounts were closed at my request and never had late payments, they should not be included in a way that harms my credit standing.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 



Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX, with an open balance of {$540.00}, and was reported as placed for collection. 

After reviewing my records, I believe this information is incorrect due to the following reasons : XXXX. Account not recognized Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and either corrected or removed from my credit report if found to be inaccurate. Please provide me with written documentation verifying the validity of this debt. If no verification can be provided, I ask that the account be deleted immediately. 

I have attached a copy of my credit report highlighting the disputed account along with any supporting documentation. Please conduct your investigation and provide a response within the legally required XXXX period. 


Thank you for your time and assistance. Please confirm receipt of this dispute and inform me of the results at your earliest convenience. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 



Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX, with an open balance of {$540.00}, and was reported as placed for collection. 

After reviewing my records, I believe this information is incorrect due to the following reasons : 1. Account not recognized Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and either corrected or removed from my credit report if found to be inaccurate. Please provide me with written documentation verifying the validity of this debt. If no verification can be provided, I ask that the account be deleted immediately. 

I have attached a copy of my credit report highlighting the disputed account along with any supporting documentation. Please conduct your investigation and provide a response within the legally required 30-day period. 


Thank you for your time and assistance. Please confirm receipt of this dispute and inform me of the results at your earliest convenience. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
PLEASE BLOCK AND REMOVE 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.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/year> 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 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 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I AM FILING A COMPLAINT TO HOME DEPOT CREDIT CARD, BECAUSE I PREVIOUSLY FILED A FRAUD DISPUTE SINCE SOMEONE ELSE STOLE MY CREDIT CARD AND MADE MULTIPLE FRAUDULENT PURCHASES. I CALLED THE BANK TO REPORT THE TRANSACTIONS IN XX/XX/year> BUT I STILL DO NOT SEE A SOLUTION FROM THE BANK, I HAVE REVIEWED MY CREDIT REPORT AND IT SHOWS MULTIPLE LATE PAYMENTS ON CREDIT,

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> I filed a dispute with Transunion for a collections account that appeared on my report for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My claim was denied and confirm the creditor stated this is a valid debt. This is not a valid debt, I have never heard of either of these companies, nor have I ever owned an apartment or lived in one. 
My data was breached on a website called XXXX-who are currently under a lawsuit and I believe this is how this ended up on my report. My Transunion account has now been frozen to prevent further fraud.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-12 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX Dear National Credit System, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation