vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I currently bank with 5/3 bank in XXXX North Carolina. I received an active check to deposit in my account. I deposited my check through phone but the next day I went to bank to try and cash it because I did not see funds available. I explained to the teller I had attempted to deposit through phone but did not see money so I was coming in believing they maybe needed to see check. Only to be told I did not need to do that. As I was watched like a low subordinate who does not know the difference in an active check. Next day still no funds deposited from active check when they state they are trying to verify check. I made numerous calls to bank and retirement group who gave me a number to give them to verify check is active and legitimate. Bank said they have had no response from retirement company but retirement company verified bank was just holding my check cause they wanted to. I believe my race has played a major part in the hold of my hard earned income. The way I watched leaving the bank and the history of the bank for discrimination. Never have I heard an active check being placed on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had setup an autopay with my bank XXXX XXXX ) to pay my credit card bill in full ( statement balance ) on the due date in response to receiving an XXXX from the credit card company ( Citibank ). This setup has been working fine for years. 
A few month ago, Citibank made some changes to the way they received the payments from the paying banks ( in my case BofA ), that started resulting in delay in receiving and posting payments. This caused the Citibank charging me fees and interest and adding the previous statement balance in the next statement ( even though receiving and posting the payment a bit later ). This happened for at least XXXX months before I noticed this. Because to me it has been working fine for years and I didn't pay attention to it. 
Moreover, this is also got reported to credit reporting agencies as serious delinquency and as a result my XXXX score has dropped from Excellent XXXX to good XXXX in a matter of XXXX months. 
I had to spend hours on phone with both BofA and Citibank to get this straightened out and fees and interest reversed. At end the I had a negative balance of more than {$4000.00} on my card statement. I thought this nightmare is over but it wasn't.

Since I had a negative balance, I stopped the payment for the last statement from my bank. Now the Citibank has blocked my card for any activity or purchases. I called them to see what's going on and their automated voice system and agent tells me I have zero balance however still have an overdue payment ( trumps me how their system works ). I asked the agent that I had a negative statement balance how can I have a overdue payment, they didn't have any answer to that. They were not able to resolve my issue.

Moreover I opened a case with Citibank to dispute the credit score and have the delinquency reported corrected, however a couple of days later they said they can't process my case unless I give them the exact dates of the reported late payment/delinquency to credit reporting bureaus.

I am extremely frustrated and feel helpless at the hands of these financial giants who are there to charge us fees left and right and don't help when needed ( even though it is their fault ).

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 2025-04-17 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 formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 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 formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 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: FL

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-04-17 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
You can look at my UCC financing statement number- XXXX is public record. I did right of rescission, durable power of attorney, cancellation of previous power of attorney, affidavit reservation of rights, secured party creditor with fee/private easement schedule. Its been well past 20 days which I gave them that time frame in right of rescission. Silence stands as truth in judgement. Acquiescence. I ask they honor the consumer laws and follow and delete off my credit report as they are still reporting illegally on my credit report, and sharing my private information without my consent to other parties that called me about my vehicle trying to take it after I explained to the XXXX man he was highly upset that the company didnt disclose that I have a lien on it via Secretary of State XXXX XXXX statement. Ignorance of the law is no excuse and I will not take it lightly as Im getting hurt and cant carry out everyday life things because of the fraud their putting a heavy burden on me and my family and I need satisfied XXXX release for my title as I know I am the original creditor in any consumer credit transaction and not the debtor

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 2025-04-17 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
they tried to collect the, about telling me i was victime of fraud and to send the my info with police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2025 the representative of capital one gave me false Information and lied to me that if I made a payment in full in the amount of {$690.00} my account was going to be up to date and there wasn't going to be anymore late payment or interest fees and on XX/XX/XXXX XXXX noticed that there was an interest fee of {$15.00} and some change, I called customer service and tried to resolve the issue and explain to them that the representative that helped me do the payment told me there wasnt going to be any fees moving forward and my account was going to be up to date and the representative on XX/XX/2025 acknowledge that the person that helped me do the payment hid some information from me, I feel like capital one scammed me because they shouldn't lie to the customer to receive payment, what first representative told me was completely different from what the second representative told me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Nelnet, Inc.
State: LA

Complaint narrative:
My personal and financial data was compromised, violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX Bank, as well as the credit reporting agencies Experian, TransUnion, and Equifax, for the ongoing and willful reporting of false late payments on an account that was paid in full in XX/XX/XXXX. 

Despite this account being closed and paid in full, all three credit bureaus continue to report late payments in XXXX, XXXX, and even as recently as XX/XX/XXXX. These entries are factually inaccurate, misleading, and damaging to my credit profile. I have repeatedly disputed this with both XXXX XXXX and all three bureaus, and none of them have taken corrective action or provided proper documentation to substantiate the continued negative reporting. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable investigation of any dispute and delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), First Horizon is required to correct and update inaccurate information once notified of a dispute.

Their failure to act constitutes reckless disregard of my rights as a consumer.

As established in the Supreme Court ruling Safeco Insurance Co. of America v. Burr, XXXX XXXX XXXX ( XXXX ), willful FCRA violationswhether intentional or carried out in reckless disregardopen the door to statutory and punitive damages. At this point, all parties involved have been notified and failed to correct the false reporting, which I believe qualifies as willful noncompliance under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Subject : Demand for Strict Debt Validation and Proof of Assignment To Whom It May Concern, This is a formal request for full debt validation and legal documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Please note : I do not acknowledge or accept any responsibility for the alleged debt referenced in your communications and credit reporting. I am exercising my legal rights to request strict proof of your authority to collect and report this account. 

You are required to provide the following : XXXX. A complete chain of assignment from the original creditor to your agency, including the original assignment or purchase agreement. 
XXXX. A copy of the original signed contract or agreement that specifically links me to the alleged obligation. 
XXXX. A detailed breakdown of the full amount claimed, including itemized charges, interest, fees, and any payments. 
XXXX. Proof that you are licensed and authorized to collect debt in my state, including your license number and issuing agency. 
XXXX. The exact name and address of the original creditor, along with the full history of the account from inception to present. 

Legal Basis : - 15 U.S.C. 1692g ( b ) : You must cease collection activity and credit reporting until validation is provided. 
- FCRA 623 ( a ) ( 1 ) ( A ) : You may not report unverifiable or inaccurate information. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Validation requires substantive evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Collectors must conduct a meaningful investigation. 

The account in question is listed as follows : HELVEY & ASSOCIATES  INC XXXX XXXX Account XXXX XXXX XXXX Amount : {$400.00} Reporting to : XXXX XXXX XXXX If you are unable or unwilling to produce the requested documentation, this constitutes your admission that you lack legal standing to pursue or report this account. In such case, I demand immediate cessation of collection efforts, removal of this item from all credit bureaus, and written confirmation that no further action will be taken. 

Any further reporting or collection attempts without proper validation will be considered a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

All future communication must be in writing only. Phone contact is not authorized. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX credit card account that was restricted over a year ago and later placed in collections. XXXX XXXX and I entered into a settlement agreement to resolve the account for approximately 50 % of the original balance. 

I made over {$3200.00} in payments toward this agreement. However, XXXX XXXX has failed to credit these payments, has not acknowledged the settlement, and continues to handle the account as if no agreement was made. Despite written communication from me describing this issue, XXXX XXXX has offered no resolution, and its representatives have provided false and misleading information about the terms and status of the account. 

I am also reporting this issue to the credit bureaus ( Experian, TransUnion, and Equifax ), as the account is still being reported in a manner that does not reflect the actual payment activity or settlement terms. The continued reporting of this account is inaccurate, incomplete, and misleading, and is in violation of my rights under federal law. 

Violations ( XXXX XXXX ) : XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Failure to properly credit payments and respond to written billing disputes. 

XXXX. Consumer Financial Protection Act ( CFPA UDAAP ) 12 U.S.C. 5531 Deceptive, unfair, and abusive practices through mishandling of funds, false representations, and non-performance of the settlement agreement. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Providing inaccurate, outdated, or incomplete information to credit bureaus, and failing to correct or update reporting after a dispute. 

XXXX. Breach of Contract ( Common Law ) Accepting payment on a settlement agreement and failing to fulfill its terms. 

Violations ( Credit Bureaus ) : FCRA 15 U.S.C. 1681i and 1681s-2 ( b ) : If the bureaus are continuing to report this account after being notified of the dispute and settlement, they are failing to reasonably investigate and are furnishing inaccurate information. 

If any bureau fails to block or remove the item after a valid dispute and documentation, this may further violate FCRA provisions regarding investigation procedures and consumer protections.

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