vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: WI

Complaint narrative:
The medical debt was covered under state insurance at the time. But they havent accepted the XXXX XXXX XXXX health insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Request for Investigation and Deletion of Negative Items Under 15 U.S.C. 1681g ( Section 605 ( b ) ) To Whom It May Concern, I am writing to formally dispute the negative items currently listed on my credit report. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of all inaccurate, unverifiable, or outdated information from my credit report. 
According to the FCRA, the credit reporting agencies are required to provide complete and accurate information. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate and ensure that the following items are verified in full compliance with federal law. If they can not be verified, they must be deleted immediately. 
The negative items in question include : 1. [ List the account names, numbers ( partially redacted ), and creditors for the negative items you want removed ] 2. [ Include any specific details on why the item is incorrect, outdated, or unverifiable ] Pursuant to 15 U.S.C. 1681g, I formally request the following : A full disclosure of the verification process used to report these negative items. 
Proof that these negative items are being reported in full compliance with all relevant federal laws. 
The immediate deletion of any information that can not be properly verified within the required timeframe. 
If these items can not be verified within the legally mandated period, I expect their immediate removal from my credit report. Failure to comply with this request will result in further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
Please provide me with written confirmation once these matters have been resolved. I appreciate your prompt attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$320.00} XXXX XXXX BALANCED {$15000.00} ONEMAIN XXXX BALANCED {$6200.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am re-submitting this complaint regarding Aidvantages mishandling of my federal student loan repayment timeline and their refusal to apply the full six-month grace period to which I am legally entitled. 
I completed my Professional XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX ), a non-traditional, modular program. My last class concluded on XX/XX/XXXX, and my degree was awarded on XX/XX/XXXX. XXXX provided a formal enrollment confirmation letter detailing my course load, which included XXXX credit hours from XXXX through XXXX XXXX demonstrating full-time enrollment through the end of XXXX. 
Aidvantage rejected this documentation, claiming that my school did not explicitly state that I was enrolled at least half-time during the XXXX XXXX period. However, the enrollment confirmation explicitly lists courses and credit hours, and links to the XXXX XXXX website verifying the non-traditional spring calendar structure. The programs part-of-term structure does not align with traditional semester timelines, which Aidvantage appears to be incorrectly applying. 
Aidvantages own transaction history confirms that a payment was applied to my account on XX/XX/XXXX, which is only 4 months and 23 days after my final class ended on XX/XX/XXXX. This timeline violates the federally mandated six-month grace period, which would extend through XX/XX/XXXX, making my first payment due in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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'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 health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX my husband passed away. He had 2 bank accounts in his name only with PNC Bank, which the bank said we would need to wait 45 days before we could access the funds and they had me fill out a " Small Estate Form '', which was sent to the courthouse and recorded. After the 45 days had passed, they said there was a negative balance in the account, which was NOT the case. MY husband 's social security payment for XXXX had been deposited on XX/XX/XXXX, so there was plenty of money in the account. PNC Bank then informed me they needed to send the money back to the social security office as there was a " Hold on the Account '' from Social Security. I went to the Social Security Administration building and spoke to them directly and confirmed the payment on XX/XX/XXXX was due to my husband and they even gave me a letter stating such. They also confirmed there was no hold on his social security check from them at all. I took the letter back to the bank and they said they couldn't do anything with that letter. After asking for management or someone else to look at it, they sent my request to a " research department ''. 
There currently is a NEGATIVE {$890.00} in his account, but that is because they have taken his social security payment out of his account, but haven't sent the money to me or to social security. The {$2500.00} check from social security was deposited into the account on XX/XX/XXXX, but with them not giving me credit for it, the account is showing overdrawn by {$890.00}. There should be roughly {$1600.00} balance in the account which I would like to have given to me. They are saying they can't give me my money and that I need to give them {$890.00} to being the account current and then they will send my husband 's social security payment back to the Social Security Administration and then I can get the money back from them. I don't feel this is necessary and I refuse to give them the {$890.00} for them to turn around and send my husband 's social security payment back to the Social Security Administration and then I will have to wait even longer to have that money sent back to me.

Losing my husband of 51 years has been extremely difficult emotionally, financially and any other way you can think of .... Adding on top the challenges from PNC Bank, just continues to drag out my grieving process and they just won't cooperate with me at all. I'm at a loss and desperate for some help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a HELOC with citizens bank. They locked my HELOC to where I can no longer withdraw funds from it, I can only deposit funds. They claim its because my credit score went down ( which I explained to them it went down due to an agreed upon forbearance with my mortgage company and I have never been delinquent on a payment ). I just had my credit ran on XX/XX/year> with XXXX and I am at a XXXX. When I called citizens they said the minimum a score needs to be for a HELOC is in the XXXX, which I am well above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-25 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: WI

Complaint narrative:
I went to XXXX to purchase a XXXX money order for my Rent. I have well over XXXX  in my account. When I attempted to complete said transaction my card was declined. I left store and went to my car and call the call center. I was flat out blamed for fraud and I told my own account is fine just my debit card is locked. I asked what I needed to do and was given a generic answer and told must wait 24 to 48 hrs for card to unlock as was locked supposedly by the system to make sure the transaction was mine. Now a bank the size of Citi should be able to contact a customer to verify that before Locking a customer funds. That call was 5 days ago and my card is still restricted and I have zero response from anyone at Citi. I have moved my money to somewhere else and my employer has block ALL Citi routing numbers from its payroll system tell this issue is corrected. My employer emplys over 100000 people and there are several employees using Citi. My employer and I are worried that me continuing to deposit my salary will lead to bank locking my funds or stealing funds.

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 2025-03-25 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: PA

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion regarding the inaccurate and inconsistent reporting of a collection account allegedly originating from XXXX Credit Card. 

There are multiple violations across my credit reports : The account is being reported under XXXX different names across the credit bureaus XXXX ( TransUnioXXXX ), XXXX XXXXXXXX XXXX  ( Equifax ), and XXXX XXXX XXXX ( Experian ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ) as it misleads lenders and affects my creditworthiness. 
The original creditor is misreported as XXXX XXXX XXXX XXXX XXXX TransUnion but only XXXX Credit Card on the others. There is no creditor named XXXX XXXX Credit Card, and this indicate an error. 
The account is being reported as both Open and In Collection at the same time, which is inaccurate and misleading. It is illegal to report a collection account as an open account, especially when it is in the hands of a debt buyer and no longer active with the original creditor. 
The payment histories across the three credit bureaus are conflicting. TransUnion has no payment history, while Equifax and Experian report months of collections, many of which appear duplicated and unverifiable.

This account was never validated or verified with me in accordance with the FCRA and FDCPA. I never received a notice of collection or validation of debt per the FDCPA 15 U.S. Code 1692g.

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 2025-03-25 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: NH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that 1 was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy Ihave never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX. (. ( Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-25 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: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I am being misled by representatives regarding my chase card and account. I have multiple accounts of being asked to hang up for verification and that I would receive calls back and never did. I was told days ago that after 48 hours I will have access to my card because of security reasons and then I was able to login and after I did, they locked me out of my account. This is happening due to immature reactions regarding a phone call I received from chase fraud department and them asking if I was available and I said no and hung up because I was not available. I guess that hurt the representative 's fragile ego and he decided to get people to gang up on me and commit these acts. See attached document for the letter I have just sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
THIS ACCOUNT IS SHOWING CHARGE OFF HOWEVER I NEVER RECCEIVED THE 1099 CANCELLATION OF DEBT FORM TAHT HAS BEEN REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I recently filed a dispute because I had concerns about the accuracy and completeness of an account on my credit report. Unfortunately, its clear that a proper investigation wasnt conducted. I truly believe that this information is still being reported incorrectly, and its taking a serious toll on me. The stress of this situation is overwhelming, and Im feeling deeply discouraged. 

Please, I need your helpI feel like my life is falling apart because of this. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief