vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check in the amount of {$1400.00} to my checking account with Citibank via the mobile deposit application, which the bank and its website encourage customers to use. I have never deposited a check which was not honored not has there ever been any sort of hold placed on a deposit. After depositing this cashiers check from XXXX XXXX I assumed my deposit would be available immediately, as per usual. After waiting an hour or two, I called Citibank to find out why the funds were being held. I was told they would be made available within the next day or two. Upon again asking why, I just received a non-answer about bank policy. Today, I received two separate emails from Citibank regarding this transaction. The first stated that my check had been processed, which meant to me that the bank had simply cashed the XXXX XXXX XXXX. The next email stated that due to confidential information from Citibank that the check would not be a good check, an 8-day hold on my funds would take place and that my funds would not be made available until XX/XX/year>. Today, after trying to reach a customer service representative by phone and finding that process to be impossible, I was on an online chat for over an hour. I spoke to a Customer Service supervisor named XXXX, who informed me that if I had deposited the check via ATM or cashier the funds would be available immediately but since I chose to deposit via mobile, the banks policy was to place a hold on any check, even a cashiers check, deposited that way. After informing him that there had never been any hold in the past an any check deposited and asking why this cashed check was being given different treatment, I was told that it was in the banks discretion to basically put any sort of restriction on a deposit that they wanted.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Please be advised, I had started a loan application with Bank of America on XXXXXX/XX/XXXX. They submitted a hard credit inquiry. I decided not to pursue this loan and did not provide any additional information. I provided no documentation ( income, taxes, w-2s etc ) to move forward with this application. 

I received a letter from Bank of America dated XX/XX/XXXX stating if they did not receive any additional information by XX/XX/XXXX, they would cancel my loan application, which is what I wanted to happen. I called on XX/XX/XXXX to request a copy of the cancellation and was told that would not be provided, the only letter I would receive is the one dated XX/XX/XXXX requesting more information. I then, asked for an email stating the same and again was denied. They advised it was their practice to not provide any further communication of this. 

I had decided to pursue a loan with the another Bank and needed to provide proof that my loan was cancelled. Bank of America refused to comply. I asked for a letter, and was denied, I asked for an email, and was denied.

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 2025-03-19 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: IL

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Inaccurate Credit Reporting and Failure to Conduct a Proper Investigation Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for their inaccurate reporting of my auto loan with XXXX and their failure to conduct a fair and thorough investigation into my dispute. Despite my repeated efforts to rectify this issue, TransUnion has continued to report false and misleading information regarding the status of my account. 

The details of the account are as follows : 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 Issue : TransUnion has inaccurately reported that my loan was " Paid through insurance, '' when in reality, I personally paid off this account. 

This false reporting is misleading and has the potential to negatively impact my creditworthiness. I initially disputed this with TransUnion and requested that they correct the inaccuracy. However, instead of conducting a proper investigation, TransUnion dismissed my claim without sufficient verification and continued to maintain the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure that the information they report is accurate and conduct a reasonable investigation when a consumer disputes an item. Their failure to do so constitutes a violation of my rights under the FCRA.

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 2025-03-19 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: SC

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its 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 2025-03-19 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
( XXXX XXXX XXXX XXXX XX/XX/year>2016 )

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 2025-03-19 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: OH

Complaint narrative:
Experian Consumer Services has engaged in practices that have negatively impacted me, specifically : 1. Misrepresentation of My Personal Information Experian, has inaccurately recorded my personal information, including names, date of birth and addresses that do not belong to me. Despite my attempts to correct these errors, Experian has failed to take appropriate action. The incorrect names and addresses appearing on my credit report are XXXX XXXX XXXX XXXX XXXXXXXX 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 Inaccurate Credit Reporting  Experian has reported closed accounts that should no longer be on my credit file, which is negatively impacting my creditworthiness. I have attempted to have these accounts removed, but they remain on my report. The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These errors have caused unnecessary challenges, including potential credit denials and reputational harm. Despite my efforts to resolve these issues directly with Experian, I have not received a satisfactory response. 

I request XXXX assistance in ensuring that Experian properly updates my personal information, removes the incorrect names and addresses, and deletes the closed accounts and Charge-Offs that should no longer be reported. Please let me know if you require any additional information to proceed with this complaint

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 2025-03-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-03-19 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> - I became aware of an inquiry on my XXXX credit report. I immediately contacted XXXX regarding the inquiry and to freeze all of my credit reports. I then looked up information on the creditor, CCF Intermediate Hol, to learn more about the company and contact them regarding the fraudulent credit pull of my report. They asked me for information I very uncomfortable with providing, their fraud representative hung up in my face three times, so I grew increasingly concerned about the company and how they do business and received my personal information. After looking up the number I was given, I called back, spoke with a team lead and another representative to file an identity, theft, and fraud claim with the company. While they have given me information on next steps, I am still very leery about this company, and they are credit tactics and ability to resolve my issue and concerns, which would include removing the credit inquiry from my credit report and removing any information relating to me from their system as it relates to setting up an account. I was told that I would have to wait for a follow up email from the Companies mitigation team for next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MA

Complaint narrative:
I previously disputed this account with Equifax, TransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF likes OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER34 RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16804 .

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 2025-03-20 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
THE FRAUD REPORTED IN CASE XXXX DEALS WITH THE FRAUD CHASEXXXX XXXX XXXX XXXX AND THEN COVERED UP WITH FALSIFIED ACCOUNTING REPORTS. 

IT DOES NOT DEAL WITH CORRECTING ANY AND ALL REPORTS FROM CHASE FROM THE YEARS XXXX. There are numerous instances of FRAUD ON THEIR PART. CHASE NEEDS TO BE CHARGED WITH INTERNATIONAL FRAUD and all reports sent to purposely damage my credit report need to be immediately reversed. 

REPORTS OF THEIR PREVIOUS INADEQUATELY INVESTIGATED CHARGES WILL BE RE-EVALUATED, BECAUSE AFTER THEY AGREED I WAS CORRECT, THEY HAVE RE ADDED CHARGES OR HAVE NOT E.IMINATED THEM FRAUD REPORTS OF HOTELS, CAR RENTALS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ERRONEOUS AND FRAUDUENT BILL FROM AN XXXXXXXX XXXX XXXX. ( WILL ALL BE SUBMITTED UNDER FRAUD AND UNDER CORRECTING MY CREDIT REPORTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation