vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Citizens Bank Attn : Customer Complaint Resolution XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Blocked Access to Account # XXXX Dear Citizens Bank Customer Resolution Team, I am writing to formally submit a complaint regarding restricted access to my personal account at Citizens Bank. My details are as follows : - Account Holder : XXXX XXXX - Routing Number : XXXX - Account Number : XXXX - Branch Location : XXXX XXXX On XX/XX/year>, I contacted your customer service team regarding a sudden and unexplained inability to access my account. During the call, I was informed that a decision on the status of my account would not be made until next Monday. I explained that I have critical deposits expected in the coming days that are time-sensitive and essential. Despite this, I was told I would need to visit my branch in person to discuss the matter and could not be given any further information over the phone.

This situation has caused considerable disruption. I rely on this account for essential financial activities, and the lack of communication and access is unacceptable. To date, I have received : - No written notice regarding the account restriction - No official explanation for the blockage - No clear path to resolution aside from the vague directive to visit the branch I am respectfully
requesting the following : 1. A written explanation of why access to my account has been blocked 2. A copy of any relevant bank policies or internal documentation used to justify this action 3. Immediate reinstatement of online and account access or a timeline for resolution 4. Formal acknowledgment of this complaint within 10 business days Unless I receive a resolution within this period, I will escalate this matter to the following regulatory bodies : - Consumer Financial Protection Bureau ( CFPB ) - Office of the Comptroller of the Currency ( OCC ) - New Jersey Department of Banking and Insurance I hope we can resolve this matter quickly and
professionally without needing to involve regulators. Please consider this letter a formal complaint under Citizens Banks internal resolution process. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Request for Debt Forgiveness on Closed Account I am writing to formally request debt forgiveness for the following closed accounts listed on my credit report. Due to personal financial hardship and other mitigating circumstances, I am unable to repay the remaining balances and kindly request that you consider forgiving the debt in full and updating my credit report accordingly. 

The accounts in question are : 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 XXXX XXXX XXXXXX/XX/XXXX I respectfully ask that you cease all collection efforts, forgive the outstanding debt, and report the account as Paid in Full or Settled with a {$0.00} balance to all credit bureaus : TransUnion XXXX Equifax XXXX and Experian. If applicable, I also request a deletion of these negative marks from my credit file to assist with my financial recovery. 

Please let me know if you require any additional information or documentation from me. Thank you for your time and consideration. 

Sincerely, XXXX XXXX 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 2025-07-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Request for Debt Forgiveness on Closed Account I am writing to formally request debt forgiveness for the following closed accounts listed on my credit report. Due to personal financial hardship and other mitigating circumstances, I am unable to repay the remaining balances and kindly request that you consider forgiving the debt in full and updating my credit report accordingly. 

The accounts in question are : 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 XXXX XXXX XXXXXX/XX/XXXX I respectfully ask that you cease all collection efforts, forgive the outstanding debt, and report the account as Paid in Full or Settled with a {$0.00} balance to all credit bureaus : TransUnion XXXX Equifax XXXX and Experian. If applicable, I also request a deletion of these negative marks from my credit file to assist with my financial recovery. 

Please let me know if you require any additional information or documentation from me. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage reported me as delinquent after autopay on my student loans stopped unexpectedly in XX/XX/year>. I have no memory or intent of turning autopay off. I later found an email showing that autopay was canceled, but I did not knowingly do this. I only discovered the change after multiple missed payments were reported to credit bureaus.

I assumed all email communications were standard notices or statements, since I believed autopay was still active. Ive had a long record of good payment history, and I was actively managing my finances under the belief that this account was on autopay. Im a busy professional and did not ignore anything in bad faith I simply didnt believe my account required this kind of review based on prior setup and the account was brought current ( with a month paid in advance ) immediately upon being made aware of the situation.

To make matters worse, one Aidvantage representative told me on the phone that they had terminated autopay, while a different representative later claimed I did. These conflicting answers have left me without clarity or resolution, and Aidvantage has refused to correct the reporting.

I am requesting a full review of their autopay cancellation and notification process, and a removal of the negative reporting to credit bureaus based on the unusual and confusing circumstances especially given the long-standing record of good standing before this. I am asserting reasonable misunderstanding, inconsistent communication, and disproportionate harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: IL

Complaint narrative:
I took a picture of my paper check from my employer to have it deposited into my account, so this last Friday I took picture of payroll check to have it deposited into my cashapp account & when I text customer support before I did that she said that my money would be directly into my account for I can spend my money well here it is Monday 3 days later & it still isn't into my account. I have my utilities bill to pay & im going to get my power turned off tomorrow cause XXXX cant get into my account. It shouldn't take no XXXX to 8 days to cash a payroll check to put it in my own account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I

was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: NC

Complaint narrative:
I

was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-28 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: MN

Complaint narrative:
I continue to dispute the inaccurate reporting regarding my student loans on my credit report. TransUnion and Experian continue to report that the information is verified and that they have updated the closed accounts. I was also informed that the documentation I have submitted monthly since XXXX of this year is unacceptable. I have found that dealing with this company has not been in the best interest of the consumer, and I will continue to dispute the numerous inaccuracies. I was informed by a postcard that my driver 's license, signed affidavit, lease, social security card, passport, bank statements, and other legal documentation are not acceptable under their standards. I continue to dispute a bankruptcy and several late payments on various accounts, which are only being reported by TU on my credit report, as well as a charge-off. The correction of my name ( also known as ), which is not my name, I only identify by my full name. I continue to dispute addresses that are not mine, and XXXX  continues to fail at removing them, leaving me vulnerable to additional identity theft and data breaches. I am unable to utilize any credit due to the severe inaccuracies on my credit report. I will call the CFPB to gain a better understanding of the acceptable documentation requirements, as everything I have been sending has been deemed unacceptable. 
I was informed by phone with Experian, the representative told me that I could not have the unknown names removed from my credit report. She informed me that I would have to contact all of my creditors to have the " Aliases '' removed. The longer this process has taken with Experian and TransUnion, it is pretty apparent how easily an individual 's identity can be accessed. This is very alarming, and this is why I continue to refer to the CFPB. In all the complaints submitted to both companies about the same issues of inaccurate reporting, they seem to help fuel the fire of identity theft. I have filed numerous FTC reports, and still, nothing has changed ; however, the excuses seem endless with both companies. Neither one of them will address the inaccuracies because they have verification from the furnisher ; however, I question this because Equifax is presenting completely different information. Especially when it comes to the student loans, XXXX  reports they have all been paid on time. I would understand if it were one or two loans ; however, we are talking about XXXX  loans reported on time by XXXX. XXXX  and Experian do not do nearly as thorough a job for the consumer.

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 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ), asking the company to prove this debt is mine and provide full documentation. They failed to provide a signed contract, itemized charges, or proof of ownership or collection rights. Despite this, they are still reporting the account to XXXX XXXX XXXX XXXX, violating both the FDCPA and FCRA ( 15 U.S.C. 1681s-2 ( b ) ). Simply verifying through internal systems or phone calls does not count as a reasonable investigation, as outlined in XXXX v. XXXX This is causing damage to my credit and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-28 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a business checking account on XX/XX/XXXX with a promotion of {$1000.00} bonus for maintaining a {$30000.00} average daily balance for the first three statement cycles. 

I met this requirement by holding a {$300000.00} average daily balance in XXXX, XXXX, and XX/XX/XXXX. 

When I was not awarded this bonus in a reasonable amount of time, I contacted the bank to inquire about it. The representative told me that the promotion was not applied to my account. This is false. I confirmed when I opened the account that the promotion was attached. They transferred me to another department and had me wait for a call back for over a week. 

The bank called me, and now they are saying that the first partial month I'm which the account was opened ( XXXX ) was used to check on the requirements. 

The terms do not state that a partial month counts as the first statement cycle. A statement cycle is defined as a full statement period. I would have needed to deposit {$30000.00} on the same day that the account was opened to meet this, which is unreasonable and impossible, when they forced me to open the account via a video call. 

I am asking that PNC honors that the requirements of this promotion were met by my account and that I be awarded the {$1000.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. Since XX/XX/year> I have been denied access to my updated Experian credit report via my Experian online account.

2. After my address dispute was updated by providing my current credentials to the Experian Dispute tech support team, I have been denied access to an updated Experian Credit report via the ExperianCredit.com or AnnualCreditReport.com websites. 
3. The Experian site is unable to show updated credit report or score since XX/XX/year>. 
My online Experian Credit report from XX/XX/year> now reflects I have NO address listed under my personal information. Experian has added a notice that Experian has INTERNAL Records classifying the address as high risk for being associated with fraud.

4. Experian has NOT Performed any dispute updates listed as completed nor has provided access to completed dispute data. And the disputed information is unavailable online to see what has been completed.

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 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DigniFi
State: MS

Complaint narrative:
I am not responsible for this debt. I contacted XXXX  and original debtor on multiple occasions to take the XXXX It broke down after two months of ownership. Engine had more engine codes than not when purchased. 
I was dold a lemon. The vehicle had no ac in an extremely hot location. After two months it died, and would stall out while driving making left hand turns on busy highways almost XXXX my family more thn once. The underside was rusted so bad the whole front end almost fell apart when the repo man showed up after months of me contacting them to come get the vehicle. I then started receiving phone call after phone call from CFS

Company response to consumer: Closed with explanation