vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
Citibank XXXX changed payment processing systems for payments sent by XXXX online bill payment processing. Six months ago, Citi stopped ACH transfers and went backwards to physical bank checks - a deliberate decision by Citi according to both XXXX and Citi CSRs. 

Payments received by bank checks via bill pay are being processed at least 3 days AFTER the due date- even though the check payment has cleared the account at XXXX. THEN Citi charges a late fee and interest for the late payment- which is their fault as they didnt post it on time. 

This is an attempt by Citi to force customers into an automatic debit process, instead of allowing us to control payments via online banking from our checking account. We have to call EVERY time to get the payment posted correctly .. even thought they cleared the check which cleared out account by the payment due. 

Not great- they need to cut it out. We are taking steps to cancel our many year relationship with Citicard. This is a warning to other consumers. Citi is doing nothing to step up and fix this procedure.

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 2025-07-23 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: NY

Complaint narrative:
In accordance with the fair credit reporting act 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
For the past month I have been receiving multiple calls from Sunrise Credit Services I have told them to quit contacting me and provide me the proof of debt, explanation of debt, a calculation of balance, documentation that I agreed to pay this debt, agreement that grants them the authority to collect my debt, and a copy of their state license. Not only have I not received any of that by mail but I do not believe I actually owe any money. As I have no proof and they continue to harass me and not send the proof.

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 2025-07-23 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:
i have disputed public record with transunion numerous an they keep saying it is accurate because they contacting the consumer XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX but according to 15 usc code 1681eb it mandate that the informationmust be 100 percent accurate but the are listing information from the court house an the court house does not give this information out to any consumer reporting agency. an i have aletter from the court stating this accuracy

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Formal Dispute Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the inaccurate reporting of the above-referenced account listed by XXXX XXXX XXXX on my TransUnion credit report. The vehicle associated with this loan was voluntarily surrendered to the dealership on XX/XX/XXXX and as such, Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ) require the account to reflect this specific disposition accurately.

The following inaccuracies must be addressed immediately : Pay Status Account XXXX Days XXXX XXXX is materially misleading and factually inaccurate in the context of a voluntary surrender, which is not the same as a delinquency or repossession due to default. 
The balance owed ( {$8300.00} ) must reflect post-surrender adjustments and should be reported in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Surrender. 
No payments received or updated since XX/XX/XXXX, yet this account continues to reflect active delinquency and an outdated past-due balance, which violates XXXX XXXX and FCRA 15 U.S. Code 1681s-2 Duty of Furnishers of Information .

Per Metro 2 Format for Credit Reporting, voluntary surrenders are not to be reported as charge-offs, delinquencies, or traditional repossessions, and must be coded accordingly. If XXXX XXXX XXXX has sold or transferred this debt, the original tradeline must be updated to reflect closed/transferred status and report a {$0.00} balance and {$0.00} past due to avoid double jeopardy on the consumers credit profile. 

Requested Action : I am demanding TransUnion to : 1. Investigate this account under FCRA Section 611.

2. Correct the account reporting to reflect voluntary surrender using XXXX XXXX XXXX XXXX XXXX. 
3. Update the balance and past due amount to {$0.00} if the account has been closed, settled, or charged off post-surrender.

4. Provide written confirmation of the investigation results within 30 days. 

If this account is not updated or deleted in compliance with federal law, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take legal action for willful misreporting under FCRA Section 623 and Metro 2 guidelines. 

Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX XXXX : XX/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 2025-07-23 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: MD

Complaint narrative:
Please I will love these accounts and inquires be deleted from my report ASAP as it all fraudulent from the fact that my identity was stolen. According to the Fair Credit Reporting Act ( 15 U.S.C 1681 et seq. ), particularly 605B, which gives victims the right to block fraudulent information resulting from identity theft.

My personal info ( name, phone number, address, email and passwords, SSN where all stolen and can be found in almost all data breaches websites

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was looking at my credit report and did not recognize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
I was looking at my credit report and did not recognize these inquiries

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
In the last 6 years I have watched as Regions has prioritized my transactions so the larger ones come out first and I get multiple overdraft fees instead of only getting one. For instance this last time my account was only negative {$60.00} something dollars then my car payment came out. They overdrafted me first 3 times for the car and two other transactions and now all of the smaller ones are coming out last making me get another XXXX overdraft fees today and possibly tomorrow. I have always paid my overdraft fees even though they repeatedly do this but I have had enough. Their resolution was to refund my account {$18.00}!!!!!! When each overdraft fee is {$36.00} and I get 3 at a time each day.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received an email notification from XXXX that there was a hard inquiry from Barclays Bank DE observed through TransUnion initiated XX/XX/year>. I had not initiated new credit. I put a credit freeze through TransUnion and called Barclays to see if they could tell me more information on how the application was initiated. They could not but confirmed they stopped the application for a XXXX VIP credit card that was initiated and have referred the matter to their fraud department. Don't know if it is relevant, but over the course of the past two weeks have been in and out of the XXXX XXXX XXXX XXXX with a friend who was hospitalized and the XXXX XXXX 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 2025-07-23 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 have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-23 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the reporting of my Nelnet student loan account ( s ) on my credit report. I believe the information is inaccurate and request a full investigation under the Fair Credit Reporting Act ( FCRA ).

Specifically : Servicing Errors My account reflects issues similar to those in XXXX  v. Nelnet ( Case No. XXXX ), including mismanaged repayment plans and inaccurate reporting. 

Lack of Proper Notice I was not notified before negative information was reported, in violation of 15 U.S.C. 1666b, denying me a chance to resolve the issue.

Documented Hardship A recent house fire and vehicle theft caused temporary financial strain. Ive since brought the account current and enrolled in autopay. Supporting documentation is enclosed.

I respectfully request : Correction or removal of any inaccurate data ; Written confirmation of your findings under FCRA timelines.

If unresolved, I am prepared to escalate this to the CFPB, Department of Education, or seek legal assistance.

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am resending this complaint to EXPERIAN regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified.

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-07-23 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Im calling to dispute a warranty service contract I purchased ( with XXXX XXXX XXXX ) over a year ago that has consistently failed to provide the services promised. This is an ongoing service contract with a 3-year term, and I have multiple documented cases of denied claims and out-of-pocket expenses for repairs that should have been covered.

I understand the usual dispute window is 520 days, but since this is a multi-year agreement and the issue has been ongoing, Id like to open a late dispute due to continued misrepresentation and failure to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit history.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I have 3 unauthorized inquiries on my TransUnion Credit Report. 

XXXX XXXX - Requested on XX/XX/XXXXXXXX XXXX XXXX - Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry is confirmed identity theft when someone tried to apply for a credit card in my name. XXXX XXXX said they will remove it in 90 days, which they have not done.

The other 2 inquiries I do not recognize and the companies are unwilling to cooperate with me to get to the bottom of these inquiries.

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 2025-07-23 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: FL

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX in XXXX  TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \nXXXX XXXX XXXX XXXX  (account XXXX XXXX\n\nExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/year> XXXX I gifted {$25.00} to XXXX XXXX XXXX XXXX with my debit checking account from cashapp banking services to another XXXX XXXX whom has the same name, the company suggested I send a request for return of funds that's been requested with no reply so when I inquire about it to Cashapp I get pending. Don't know what to do to get my funds back to my account. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I completed an online application for a new XXXX XXXX XXXX credit card issued by Bank of America. After receiving the card in the mail, I was unable to activate the card getting the message " online banking is not available to you '' and I had to call in. After getting transferred to the " correct department '' 3 times, the final agent needed to send a code to a phone number associated with my account- which turned out to be a Son of mine that lives in another city, and who was NEVER part of the application - how did this number get to be associated with my account in the first place??? The agent tells me my card is blocked and asked if I placed a block.... how do I block a card I haven't even activated yet??? Then he wants me to drive into the nearest branch with 2 forms of ID, which is a XXXX XXXX XXXX for me one way.

I believe this is either a system error or a backend data conflict, possibly with another persons information. Im willing to verify my identity securely and remotely, as other major banks offer. But demanding in-person travel of that scale is not only unreasonable its a poor customer experience. This card comes with some bonus cruise points, the entire reason we applied for it, and I am under a timeframe to complete the requirements- with a card that is not activated and blocked. I have already verified who I am via having the cards at my home address, successfully logging into the online banking with my username and password, successfully getting the code they sent to my Son 's phone - and still the card is not activated???

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 2025-07-23 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a certified written debt validation request to Radius Global Solutions regarding an account they claim to be collecting on behalf of XXXX XXXX XXXX XXXX. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

Radius Global received the letter, as confirmed by certified mail return receipt, yet has failed to respond or provide any documentation to validate the alleged debt. Despite this, they continue to retain the account without having met their legal obligations to investigate or substantiate the debt.

This constitutes a violation of FDCPA 809 ( b ), which requires a debt collector to cease collection activity until validation is provided. To date, no response, investigation, or documentation has been sent to me.

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