vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, three unauthorized transactions appeared on my Citibank account, each listed as a debit card purchase from XXXX XXXX in XXXX, MD, totaling {$1300.00}. The specific amounts were : {$370.00} {$470.00} {$470.00} These transactions were immediately suspicious to me, as I reside in New York, am currently on XXXX XXXX, and have not traveled out of state. Additionally, every other transaction on my statement is from New York, further proving that these charges were not made by me. 
This money was especially critical, as it was my weekly paid XXXX XXXX XXXX, and I was planning to use it to pay my rent due on XX/XX/XXXX. This was the only money I had in my account at the time. 
Upon discovering these transactions, I immediately contacted Citibank and reported them as fraudulent. Citibank opened an investigation and temporarily credited the funds back to my account while the case was under review. I was also issued a new debit card during this time. 
However, on XX/XX/year>, I received a letter from Citibank stating that they had denied my claim, citing that the transactions were PIN purchases and therefore considered authorized. They informed me that the provisional credit would be reversed on XX/XX/year>. 
As soon as I received this letter, I went to Citibanks XXXX, NY branch and spoke with a teller in person. I explained that the transactions were fraudulent, and reiterated that I have never shopped in XXXX, MD. The teller reviewed my account activity and confirmed the unusual out-of-state activity, especially in contrast to my New York-based transactions. She then contacted Citibank customer service on my behalf and submitted an appeal of the denial decision.

Unfortunately, while the appeal is pending, the reversal of the {$1300.00} credit left my account
overdrawn. As a result, my next XXXX XXXX XXXX was used to cover the negative balance, leaving me with no funds. I had to borrow money from friends to prevent further account issues.

Furthermore, despite receiving and activating my new debit card, I am now unable to access my account funds, as my card has been rendered non-functional due to the limited access status placed
on my account by Citibank. When I returned to the XXXX XXXX, I was informed that my account was under restricted access as a result of this dispute, and that I would need to get another new debit card issued. 
This situation has caused me significant financial hardship and stress, especially during a vulnerable time as I care for a XXXX  and depend on these benefits to cover essential living expenses. I respectfully request a full investigation into this matter and a reversal of Citibanks decision, as well as a resolution to the debit card access issues that are preventing me from using my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I am writing to formally request your immediate intervention regarding fraudulent and inaccurate information currently reporting on my credit file as a direct result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am entitled to the protection and accuracy of my credit information. Specifically : 15 U.S. Code 1681g mandates that I have the right to full disclosure of the information in my file and to expect reasonable procedures to maintain its confidentiality and accuracy.

15 U.S. Code 1681c-2 gives me the right to block any information resulting from identity theft from being reported by consumer reporting agencies.

15 U.S. Code 1681i requires that consumer reporting agencies reinvestigate and correct inaccurate or incomplete information promptly. 

Despite these protections, my personal information has been compromised in a data breach, and fraudulent items, including unauthorized addresses and hard inquiries, have appeared on my report. This constitutes a violation of my consumer rights, defamation of character, and is inflicting significant emotional and financial hardship, especially as I am in the process of purchasing a home for my family.

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 2025-04-10 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: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted 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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: MN

Complaint narrative:
I received a letter dated XX/XX/year> from Biehl & Biehl that I owe {$130.00} in debt for the XXXX XXXX XXXXXXXX XXXX XXXX. 

Backstory - I signed up for the XXXX XXXX XXXX in a grocery store, thinking I was doing a good thing to support it. I purposely clicked the box on the form that says do not auto renew. Well, I had to call a few times to get them to start delivering the paper ( a couple months later they finally started ). When it stopped the following year, I didn't renew and the paper stopped coming. 

I reached out to XXXXXXXX XXXX XXXX customer service via telephone on XX/XX/year>. I let the individual know how upset I was with their practices. I let him know that I opted not for auto-renew. He said it must have been a mistake and that by default, all accounts are set-up on auto-renew. I let him know that I remember clearly remember opting out of auto-renew. He then said that he could only reduce my bill by half. What!? Am I now negotiating with XXXX XXXX when I thought they already sent this to collections? He said he he could try to connect me with someone from accounts. A few minutes later, he said he couldn't get a hold of anyone in account but he sent them a message. I have not heard back yet. 

For something that I was so interested in supporting ( newspapers ), I've got to say that this experience has me rooting against them...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I recently conducted an investigation into my credit report and found several items that are inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Additionally, according to 15 U.S. Code 1681i ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must : ( i ) Promptly delete or modify that item as appropriate based on the results of the reinvestigation, and ( ii ) Promptly notify the furnisher of that information that the item has been modified or deleted. 

Please remove the following items from my credit report immediately : Accounts I am disputing : EXPERIAN DISPUTES XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$770.00} past due as of XX/XX/XXXX. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off. {$7900.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off. {$770.00} written off and past due as of XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open. Balance : {$5100.00} ( as of XX/XX/XXXX ) XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off. {$15000.00} written off. {$8200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX XXXX Late Payments Balance : {$5100.00} ( as of XX/XX/XXXX ) Credit Limit : {$6500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Potentially Negative Months Credit Usage : 100 % Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX XXXX Late Payments Balance : {$10000.00} Status : Closed XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Late Payments Credit Limit : {$3000.00} Credit Usage : 0 % Balance updated : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX XXXX Late Payments Balance : {$5100.00} XXXX XXXX : {$6500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$10000.00} Credit Limit : {$25000.00} Balance updated : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$3000.00} Thank you for your attention to this matter. I look forward to your response within the timeframe required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Ascent Holding Co
State: CA

Complaint narrative:
Hello this is XXXX XXXX, I enrolled in a program with XXXX ( operated by XXXX XXXX XXXX on XX/XX/year>, but canceled on XX/XX/year>, well within the allowed cancellation period. I never attended any classes nor received any services. 

Despite this, I have been notified that I owe a {$3300.00} student loan through Ascent. Ascent informed me that the school must process the cancellation, but XXXX has refused to take the necessary action. I believe this is a fraudulent charge, and I request that all obligations and collections be removed. 

I am filing this complaint because XXXX XXXX has failed to cancel my enrollment or notify Ascent of the cancellation, causing me financial stress for a loan I should not owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I disabled auto-pay across all of my Upgrade accounts and received an email confirming auto-pay was disabled. Then on XX/XX/year>, I received an email that a payment was scheduled for auto-debit from my checking account despite me stopping auto-pay. I contacted upgrade again and was assured that this would be corrected. Then today, I logged in to pay my bill ( which was due today ) only to find that it had been auto-debited and in my account it clearly shows auto-pay as disabled. I have no confidence that they will not continue to do this. I did contact customer support who advised me that the autopay disable process was not completed on their end and that it would be another 3-5 days to resolve. If this was the first time, I could understand, but I have lost faith in the integrity of this company. I have never made a late payment, there is no justification for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 2025-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-10 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 



Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY .... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: CA

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account had fradulant activity beginning XX/XX/XXXX and these tansactions continued for several days. On XX/XX/year> my balance was {$2700.00}. After all the fradulaunt activity my balance was $ XXXX and that balance was only that because my paycheck was direct deposited of {$1400.00} so before my paycheck was deposited the fradulaunt activity made my account in the negative balance by $ XXXX. 

When I set up this account in XXXX of 2024 I opted out of overdraft coverage using the atm and daily transacations using my debit card. See attached. 

However, 5/3rd Bank authorized over {$6000.00} in debit card transaction on my account. See attached. 

Finally, I received a letter from the Office of the President stating that they don't allow such transacations that occurred on my account. See attached. 
Yet, they allowed these transactions to happen. 

Their statements on previous claims are not accurate. None of these transacations were done before XX/XX/XXXX. I have never had a transaction on this account similiar to over the 50 fradulaunt activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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