vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX Citi Bank XXXX XXXX XXXX and XXXX XXXX. 

I applied for a home mortgage loan with Citi Bank in XX/XX/XXXX2024 to purchase a property with a closing date set for XXXX/XXXX/2024. From the beginning of the process, I emphasized the importance of meeting the closing deadline, as the purchase contract clearly stated that any delay caused by the buyer would result in a penalty of {$900.00} per day. Despite my continuous efforts to expedite the process, Citi Banks mismanagement and lack of communication caused a three-day delay, resulting in a penalty fee of {$2700.00}, which I was forced to pay. 

Timeline of Events and Citi Banks Failures XXXX. Early Communication & My Proactive Efforts On Day XXXX of the loan process, I informed Citi Banks loan XXXX of the XX/XX/XXXX closing deadline and emphasized the need for buffer time due to the holiday season. 
I promptly submitted all requested documents and responded to requests within hours to avoid delays. 
XXXX. Lack of Backup Coverage for the XXXX XXXX The assigned loan XXXX, did not inform me that she would be on vacation during the critical closing period. 
She failed to designate a backup contact, leaving me unable to escalate issues or get timely updates. 
During her absence, I had no access to a Citi representative who could provide clarity or assistance. 
XXXX. Incompetence of the XXXX XXXX The loan processor repeatedly requested unclear or unexplained documentation, leading to unnecessary delays. 
XXXX. Last-Minute, Uncommunicated Requirements On the XX/XX/XXXX closing date, I was suddenly required to provide a Citi checking XXXX savings account, a requirement that had never been mentioned before. 
I had repeatedly asked in advance if there were any outstanding requirements, but neither loan XXXX nor processor informed me of this necessity. 

Financial Impact and Request for Resolution : Due to these failures on Citi Banks part, my home purchase closing was delayed by XXXX days, and I was charged a penalty fee of {$2700.00} by the seller. The delays were entirely avoidable had Citi Bank properly managed the process. 

I am requesting Citi Bank to reimburse me for the {$2700.00} penalty fee and take corrective action to ensure future customers do not experience similar issues. 

I have already attempted to resolve this issue directly with Citi Bank, but I have not received a satisfactory response. I am now seeking CFPBs assistance in holding Citi Bank accountable for their failure to fulfill their obligations in a timely manner. 

Thank you for reviewing my complaint. I appreciate your help in resolving this matter.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Disputed a transaction a while back in XXXX from XXXX XXXX  for {$1400.00} ( a charge paid on XX/XX/XXXX ) ; they stated it was the valve cover gasket leaking so they charged me but they did not fix the issue and I have taken it back to them MULTIPLE times to get it fixed ; they charged me an additional {$610.00} on XX/XX/XXXX stating it was another issue regarding the oil leak ( the oil intake gasket ). My car is STILL leaking a lot of oil ; I took it to XXXX other shops to properly diagnose the issue. Both stated it is still the valve cover gasket leaking a lot of oil. XXXX XXXX only offered to return part of my money ( for labor not for parts ) not the entire balance, but to get it fixed with another mechanic company that knows what they are doing I have to pay for labor AND for the parts. Wells Fargo refused to hear my side of the story and denied both of my disputes though my car is still heavily leaking oil and smoke is coming through my vents. I have quite a bit of proof that shows XXXX XXXX took my money and did not fix the issue ; I have proof that I was charged from XXXX  for the valve cover, the denied dispute from Wells Fargo, as well as documentation from XXXX additional mechanics that states my Valve Cover is still leaking ; with dates from after XXXX XXXX. I attempted to contact Wells Fargo stating I had additional proof ; they stated to email it over to their email address and someone will reach out to me in about XXXX hours ; no one reached out to me. After a week or XXXX, i reached out to them ; they claimed they are not able to see the email when it was sent multiple times to them in clear condition and not XXXX did anyone from Wells Fargo attempt to reach out to me after I sent a thorough email to them with the additional 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 2025-02-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : TD AUTO FIN, XXXX, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I sent a debt validation letter on XX/XX/2024 to Opploans to validate this debt of {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I linked my XXXX XXXX bank account through XXXX to my Chine account.

I did an Ach transfer and the transfer never of {$1000.00} did not go through from XXXX to XXXX XXXX. 

I called Chime and they said it went through ob their end. I called XXXX XXXX and they said they have not received the transfer. 

Neither company is able to help saying the issue is on the other companies end. 

I'm missing {$1000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: DC

Complaint narrative:
I have disputed a collection from XXXXXXXX XXXX XXXX XXXXXXXX multiple times as this is an unverified account. Transunion failed to thoroughly investigate the dispute reported. Transunion failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2025-02-22 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXXXXXX XXXX XXXX  Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 
Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 
I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

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 2025-02-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXX, FIFTH THIRD Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  made and offer to settle a closed card and then did not honor it or report the payments. 
Instead, they applied it to interest owed and continued to report non-payment for years

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 2025-02-22 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: NY

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 XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-22 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: 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. Account name : US DEPARTMENT OF EDU XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: FL

Complaint narrative:
Collection agency is still in violation and has illegally obtain my personal information from original creditor with out my permissible permission and has never sent me the original purchase agreement with my signature. you have 4 business days to remove as this is identity theft. and a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: DISCOVER BANK
State: KS

Complaint narrative:
This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped. 
Additionally all credit bureau XXXX, XXXX, XXXX violated the Fair Credit Reporting Act. 
Discover, XXXX, XXXX, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account and several incorrect addresses on my report. I have already tried contacted this company via certified mail ( Tracking # XXXX ) with no response or resolution. 

Fraudulent account : XXXX XXXX XXXX  ACCOUNT # : XXXX Incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct and only address is : XXXX XXXX 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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX at XXXX XXXX  I did receive text msg from Wells Fargo : Do you recognize {$8200.00} @ BALANCE on card XXXX? Reply Yes or No. STOP to stop msgs. 
I replied : No I received text msg from Wells Fargo : Thank you for your reply. The card has been blocked for security. Call XXXX I called and explained the txt msg i received, i did not balance transfer of {$8200.00} and please cancel my credit card.Send me a new credit card with different number. Asked them please let me know after investigation who did this transfser? 
-- -- -- - I received new credit card with different number. 
-- -- -- - Again, On XXXX XXXX XXXX  I did receive text msg from Wells Fargo : Do you recognize {$8000.00} @ BALANCE on card XXXX? Reply Yes or No. STOP to stop msgs. 
I replied : No I received text msg from Wells Fargo : There are multiple cases for this number.Please call XXXX for assistance. STOP to stop msgs. 
I called and explained the txt msg i received again, i did not balance transfer of {$8000.00} and please closel my account and do not send me a new credit card, is not safe to stay with Wells Fargo.Asked them again please let me know after investigation who did this transfser?

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 2025-02-22 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: 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. Account name : XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I received a letter from CBHV for a account that was charged off by the original creditor. They have been harrassing me about this debt by mail and phone email and text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hard inquiries on my credit report. The companies have no knowledge of my information on file. I provided them with my name, DOB, social security number, contact number, and address. With all the information they couldnt find me in their system. Was even connected to different departments and yet to be found in their system.

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