vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX I received a legally documented workers compensation settlement totaling {$380000.00} from the New York State Workers Compensation Board for my late partner XXXX XXXX ( XXXX Case # XXXX XXXX ). These funds were awarded on behalf of our two children, XXXX and XXXX XXXX. The full amount was deposited into my XXXX account, and on XXXX XXXX XXXX, I opened a new XXXX savings account in my name with Citibank and transferred {$250000.00} into it. 

When I opened the account, I informed Citibank that I planned to wire a portion of the funds to my mother once they became available. I was told this would be fine and was advised to deposit at least {$20000.00}, or up to the maximum of {$250000.00}, to qualify for the XXXX benefits. I deposited the full amount. 

On XX/XX/XXXX, when I attempted to initiate a {$130000.00} wire transfer to my mothers XXXX XXXX account, Citibank froze my account immediately. I was told my account was being put up for closure with no explanation. Later, I was informed Id have to wait 3060 days for the account to close and the funds to be released. I was also asked to bring in documents to verify the funds, which I did in person. I provided full documentation, including the legal settlement, my XXXX and Citibank statements, and the wire request. 

Despite this, on XXXX XXXX XXXX my account was officially closed with no written notice or explanation, and no update on what would happen to the {$250000.00}. The wire transfer was never completed. Since then, Ive made multiple calls to Citibank for answers. On XX/XX/XXXX, I was told there were no funds showing in the account and no information available about the money. I stayed on the phone over an hour trying to reach a supervisor and got nowhere. 

Now Im being told my account is being placed under review again to see why it was closed, and that I need to wait another XXXX hours for a response. This is absolutely insane. I have done everything right, followed instructions, provided every piece of documentation asked of me, and stilltwo months laterIm being told they dont even know where the money is or why the account was shut down. 

These funds legally belong to my children. This situation has caused extreme stress, financial hardship, and serious concern about how Citibank is handling something so important. I need this investigated and resolved immediately.

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 2025-05-16 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: NY

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 accurate. 
Here is the item I am asking you verify as accurate. 
XXXX XXXX Account # 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 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
The original amount owed to the creditor does not match the amount I had to pay to settle the debt. The statement indicated that there were " additional fees '' added to my debt without any explanation as to what the " fees '' are. And when I called the collection company to pay, there were more " fees '' added. I am not complaining about the credit card fee I used to pay with, just the amount of fees I had to pay on top of the original amount I owed the original creditor. I was not able to speak to a live person at the number I called to pay. It was all computerized. I didn't want the fees to keep going up on me so I felt like I needed to pay it so it doesn't go against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GMA Investments, LLC
State: SC

Complaint narrative:
Back in XXXX a company called me calling to be a debt collection agency. I blindly believed them. However, I repeatedly asked the for documentation stating that they had the legal right to collect on this debt. They refused every time. So I started doing research on the company and can not find any documentation that they are a legit company. I have found a bunch of claims where they have scammed other people. Back in XXXX, I called them again to request again the proper documentation that they could collect on the debt that they say I owed. They still refused. I have a voice recording where they stated that I could cancel future payments with them but that they would not refund my money and that when the judgement came it would be for the full balance. On this phone call, I payed close attention and they never told me the name of the company, they did not have the standard recording stating that they were trying to collect on a debt. And most of my calls with them they were very unfriendly and forceful in not allowing me time to figure things out or negotiate. Its been 2 weeks since payments have been stopped and no judgement has come yet. On the phone call I also mentioned that they were scamming me. The first phone call they claimed to be a collection agency. The last phone call, when questioned what type of company they were, they stated that they were a company that is in between the collections process and judgement process. When I called a law office that handles judgments for collections, they informed me that there is not a company that is in between the processes. So this company told me that they were helping me yet, they did nothing that helped me. They only store my money.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 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/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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was robbed they took my phone and was able to get into my account I disputed it even after providing a police report they did not give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My identity was stolen and plenty accounts was opened up with XXXX XXXX XXXX XXXX XXXX and a few more accounts thats under dispute with Equifax. I need these accounts removed ASAP. I sent in all the information they wanted me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On a recent call, I contacted Experian and spoke with a representative named XXXX in the Special Services Department. The entire call was lawfully recorded in the State of Texas, a one-party consent state, under Texas Penal Code 16.02. Experian 's own call system advised me the call would be recorded. I am also recording the call for my own protection and for legal evidence. I am prepared to provide this full recording upon request.During this call, I attempted to dispute the payment history, backdating, and ownership of the XXXX account. XXXX repeatedly refused to accept my dispute, denied my right to dispute, refused to escalate the call to a supervisor, and stated that Experian accepts XXXX 's verification without requiring any documentation or evidence. This violates my rights under : - FCRA 611 ( 15 U.S.C. 1681i ) - Failure to conduct a reinvestigation- FCRA 1681s-2 ( b ) - Furnisher and CRA obligations to investigate disputes- CFPB guidelines- Unlawful service and obstruction of dispute resolution process Additionally, I must note that every single dispute I have filed with Experian has come back as 'verified ' or denied-regardless of the amount of contradictory evidence or the lack of documentation provided by furnishers. This establishes a clear pattern of non-investigation and rubber-stamping responses, in violation of your obligations under the FCRA 611. It is clear that Experian is failing to conduct a meaningful investigation and is siding with data furnishers without reviewing any documentation or applying basic standards of verification. Furthermore, I have been improperly blocked from disputing online and continually redirected to the Special Services department without justification or explanation.

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 2025-05-16 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
My loan at XXXX XXXX ( XXXX ) was transferred to Mr Cooper ( XXXX ). Mr. Cooper is showing an escrow account deficit of ( XXXX ) but your last statement confirmed a balance of {$400.00}. I don't know who owes the money, but I'm sure it isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: TX

Complaint narrative:
I took out a {$5000.00} installment loan from XXXX ( XXXX XXXX. XXXX ) in XX/XX/XXXX with a XXXX XXXX XXXX I paid $ XXXX until XX/XX/XXXX. The loan was modified to $ XXXX and XXXX XXXX interest starting XX/XX/XXXX. 

Despite this, LoanMe ( or related entity ) is still withdrawing {$88.00} monthly, including the most recent on XX/XX/XXXX, shown as LOANMEBPIISA on my bank statement. 

XXXX website and customer service are inactive. I can't stop the automatic withdrawals or get any response. XXXX requesting an investigation into unlawful overcharging and continuing debits. 

I want all further withdrawals stopped and a full audit of what was charged vs. what was owed. 

XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Due to a data breach and along with a locked credit file my account received multiple inquiries from XXXX that in fact were unidentified and not authorized by me. I have written a letter to get these inquiries removed and I have yet to receive any information in regards to the inquiries or removals.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
On XXXX XXXX XXXX I submitted a dispute to ChexSystems regarding unexplained reason codes affecting my consumer score. The report includes unique DDA inquiry activity and insufficient DDA inquiry activity, but ChexSystems has not identified which financial institutions submitted these inquiries or provided any supporting documentation. I followed up with a phone call on XXXX XXXX XXXX, and again requested the source of the reported activity. As of now, they have not provided the information, preventing me from verifying or correcting my record. I am requesting that the CFPB compel ChexSystems to disclose the source of this data or remove unverifiable entries, in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-16 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief