vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Mathew Aaron Holdings Inc.
State: TX

Complaint narrative:
They only paid {$400.00} to my creditor out of {$3200.00} in installments, and they only got in touch with one creditor in six months. The remaining amount is made up of false fees that were not revealed, meaning I would have to pay them to do nothing. The fees were solely intended to be used for debt settlement. {$55.00} XXXX, a {$290.00} enrollment fee, and {$12.00} monthly service fees I can comprehend the $ 100 monthly fee that must be paid to the CC. The remaining {$2000.00} is all regarded as settlement expenses, though. It was significantly more than the agreed-upon % if this is based on a percentage of the settlement. The {$2000.00} in fees I due are a straightforward ploy to defraud those who are in distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-11 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: MI

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, My two sisters and I went into the XXXX XXXX branch of Citibank. My mother had passed away and we were to be inheriting {$3.00} XXXX after a property sold. Under the direction of the Citibank manager they had us open an account under the XXXX XXXX in all three names where the proceeds were to be deposited... In XX/XX/XXXX my sister and I went into the XXXX XXXX Citibank branch, we discussed with XXXX XXXX XXXX The Wealth Manager that we would be inheriting this money. XXXX XXXX said they have a special for XXXX that he was going to give us when the property sells. He discussed that generally it needs to be new money but in the same breath told us that he would never have us take the money to XXXX XXXX  and then bring it back I have three witnesses hearing the same thing. 

On XX/XX/XXXX we were notified by the XXXX XXXX branch that the money had just been wired to the XXXX XXXX account they had told us to put it in. That very same day within XXXX hour we came to the bank and deposited into our account the XXXX XXXX XXXX account. As of XX/XX/XXXX when we noticed we were not earning our interest we contacted the bank and were told they were looking into it. We left the XXXX dollars in the account assuming they would do the right thing, after two months we still were receiving little interest. We have complaint after complaint and they are not listening to our side of the story they are not taking witness statements, they are saying we put it in the wrong account even though it was the account the Citibank manager told us to open. We have reason to believe that our account was actually set up wrong and they are not taking responsibility for it, these are deceptive practices. In addition to the XXXX dollars we had set up a checking account with {$200000.00} in it and were supposed to receive {$1500.00} after 45 days. That never happened until we complained they said it was a systematic error. 

Another thing that is extremely alarming in XXXX after XXXX days I earned {$490.00} in interest which was good and I assumed everything was on track. In XXXX after 31 days I earned {$1400.00} in interest. In XXXX after 31 days I received {$77.00} in interest. None of this makes sense

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 2025-03-11 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:
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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Bank released my personal banking information to XXXX XXXX, XXXX. which was used in court against me. I never gave any permission for my information to be released and I requested from TD bank to show me what was used for them to release my bank statements to her without my consent. They refused to show me anything. I know for a fact that XXXX XXXX went to four other of my banks for information and they did not give it to her. I need to know how this happened and TD Bank refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank closed my account suddenly with no explanation. I received an email saying that I could withdraw my funds from the branch. So I drove 4 hours to the nearest branch just to be told that I would not be given my funds. I was provided no explanation or reason as to why. I would live to have funds sent back to me immediately. My current balance that is being withheld from me is {$2400.00}. It has been over 2 weeks now.

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 2025-03-11 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Payment History on Credit Report I am writing to formally dispute an inaccurate entry on my credit report regarding my student loan payment history. My credit report states that I have been making payments on my student loans since XXXX of XXXX and have been paying on time monthly until XXXX of XXXX. However, this information is incorrect, as I have never made any payments toward my student loans. 

For context, I took out these student loans in XXXX and XXXX. Despite this, my credit report reflects a payment history beginning in XXXX of XXXX, which is inaccurate and has negatively impacted my XXXX XXXX. I have supporting evidence that confirms I have not made any payments on these loans, which I am prepared to provide upon request. Id also like to add that if I have been paying these loans on time my credit has not been reflected as such.

I kindly request that you investigate this matter and correct the inaccurate reporting. Please remove the false payment history from my credit report and update my credit score accordingly.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. If you need any additional information, please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Date of transaction ( XX/XX/year>XXXX  ) Amount ( {$800.00} ) The sender ( XXXX XXXX ) The issue : Cash App reversed funds after 20 days ( XX/XX/year> ) without proper notification. 
Lack of fraud detection, verification, or dispute notification before the reversal. 
Cash Apps failure to protect the recipient. 
Request for a resolution : either returning your funds or preventing such unjust reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable answers. Experian has neither corrected or removed disputed items despite evidence provided causing ongoing harm to my credit standing. Experians inaction violates federal law and my rights as a consumer.

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 2025-03-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Name : XXXX XXXX Account number:XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXXXXXX XXXX Account number XXXX XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened XXXX Balance : XXXX This item is either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am listing XXXX inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been making consistent $ XXXX5 monthly payments on my fathers Parent PLUS Loan account ( photos attached ), believing all my loans were under his file. I recently discovered that I had additional loans under a separate account, which became delinquent without my knowledge. Nelnet did not send any emails, mail, or phone calls to notify me of the missed payments. As soon as I became aware, I immediately brought the account current, and there is nothing past due. However, the delinquency has caused my credit score to drop by about XXXX points. I contacted Nelnet, and they confirmed they could not remove the delinquency, but XXXX, an account XXXX, made a note in my favor on the account acknowledging that I was unaware of the missed payments due to lack of notification and helped ensure future notifications will be sent and received correctly. Given the lack of prior notification and my prompt resolution, I am requesting that this delinquency be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: FL

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-11 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Name : XXXX XXXX Account XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXXXXXX Account number XXXX XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened XXXX Balance : XXXX This item is either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information

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 2025-03-11 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-03-11 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: AZ

Complaint narrative:
I RECENTLY APPLIED FOR A XXXX XXXX MORTGAGE AND WAS ADVISED FROM MY LOAN XXXX THAT HE CAN NOT APPROVE MY LAONS, BECAUSE THERE ARE XXXX MEDICAL COLLECTIONS REPORTING ON MY CREDIT REPORT. I FOUND OUT THAT I AM A VICTIM OF IDENTITY FRAUD AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN MEDICAL SERVICES FRAUDULENTLY. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO I HAVE ANY KNOWLEDGE ON THE ACCOUNTS BEING FRAUDULENTLY REPORTING ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TN

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. 

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, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

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. 

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, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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