vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I was told what the interest rate was and that was included in total payment.no one ever told me about daily interest rates that is double interest any way you look at it.They charge about XXXX dollars each week until payment is due.It should be criminal for a company to charge twice for the same loan.Citi loan must be investigated of their practice of the charges accessed unknowing to a person.

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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am writing to formally report and request resolution for an ATM deposit discrepancy that occurred on XX/XX/year>2025. 

After work that day, my husband and I went to deposit {$2700.00} at your ATM. Prior to our visit, I personally counted the funds, and my husband verified the amount after me. The total included XXXX XXXX XXXX and XXXX XXXX XXXX Although my husband initially believed the bank closed at XXXX XXXX, I informed him it closed at XXXX XXXX, so we proceeded to make the deposit via the ATM at approximately XXXX XXXX 
Its important to note that several of the bills were new and had been stored in our home safe after being issued by Santander on XX/XX/year>2025. While inserting the bills, its possible that they may have stuck together or that too many were inserted at once, which could have caused a miscount. 

Following the deposit, my husband handed me the receipt without reviewing it. I checked it immediately and noticed that the ATM had not recorded the full amount. I instructed my husband to hold off on depositing an additional {$560.00} as something appeared incorrect. 

I immediately contacted customer service using the number provided on the receipt and spoke with a representative named XXXX. He submitted a claim and provided me with Claim Number XXXX for reference. He informed me that the issue should be resolved within 30 to 45 days. I explained that this delay was unacceptable, as the funds were intended to settle a debt promptly. XXXX then stated that the branch manager could give me a provisional credit and have the case resolved in one to three days. 
I then contacted the Department of Banking and Securities, who advised me on XX/XX/XXXX at XXXX XXXX to file a formal complaint with your office. They also mentioned that when the ATM is balanced, there should be an extra {$500.00}, which should be credited to my account accordingly. 
I later spoke with XXXX XXXX, the Branch Manager, on XXXX, who informed me that no action could be taken until next week when ATM service occurs. But I told him that was not what XXXX had stated about giving the provisional credit and having the case resolved in one to three days. XXXX now states that the representative was the one who should have given the provisional credit, and that it must be done within 24 hours, he went on to say that the representative could not tell if they could resolve the issue within one or three days because they do not know how the process works. 
I am simply seeking a swift and accurate resolution. I hope this can be addressed without unnecessary delays or back-and-forth communication. 

Thank you in advance for your attention to this matter. Please confirm receipt of this message and advise on the next steps. 
Sincerely, 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 2025-04-25 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-25 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: MOHELA
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt and deletion from all three bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number... XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account has three different change off dates ... Experian Cancelled Date : XX/XX/XXXX Equifax : XX/XX/XXXX Transunion : XXXX XXXX, XXXXSince then, the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged-off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly. After I asked you to do it, TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : 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 2025-04-25 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: FL

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number... XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account has three different change off dates ... Experian Cancelled Date : XX/XX/XXXX Equifax : XX/XX/XXXX Transunion : XXXX XXXX, XXXXSince then, the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged-off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly. After I asked you to do it, TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I petitioned NetCredit for a settlement for the loan in question, after some negotiations we settled on a satisfactory settlement offer. I was told at this time that I had XXXX days from the offer to accept and pay. Before funds were to be paid I asked that the agreement be forwarded to a supervisor as I was also asking for a goodwill deletion to help reduce the negative affects that had occurred to my credit profile. Net credit purposefully delayed a response on my file and retracted their settlement offer. I have brought this to the attention of several members of staff only to be told that I am not eligible for a settlement despite XXXX being negotiated an agreed to. They have now charged off the account which would have been paid in full and are now asking that I pay XXXX dollars for a loan that was originally only XXXX. For clarification the loan was opened in XX/XX/year>. I am calling in to question the practices of this business ( loan shark ) and asking that the appropriate authorities be involved in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-25 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: TX

Complaint narrative:
Subject : Demand for Immediate Verification and Rectification of False Information on My Credit Report Stemming from Suspected Fraudulent Actions Dear Sir/Madam, I am demanding action from you in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to promptly verify and delete the incorrect late payment data currently tarnishing my credit profile.

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/2024 / 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are several problems not just the one selected. The investigation has taken more than 30 days The investigation was not thorough and proper and the complaint and case was open and shut within XXXX minutes and I have evidence that I have supplied. XXXX XXXX has ignored my calls my emails my letters my complaints through the CFPB to report all of my information to Experian XXXX XXXX XXXX  My credit card information from XXXX XXXX has just disappeared off of all of my credit reports. I have no explanation from the credit report companies or the credit card company on what is going on and why this has happened. I get no replies I get no statements I get no investigations I get no information it just disappeared off my credit report which is against fair credit reporting. The CFPB needs to do their job and get them to answer why this is happening or they will be part of my lawsuit. 

Attached you will see that they opened a case that I reported months ago to them and then they immediately shut it with no correspondence. I call them and they don't respond they don't answer and I don't know what's going on. There's a case number referenced on the screenshots I have supplied. They don't even know what it's about when I ask them. 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 2025-04-25 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: AL

Complaint narrative:
I submitted multiple disputes with Experian regarding a XXXX XXXX XXXX XXXX account that was charged off with a {$1600.00} balance. The account shows a last payment date of XX/XX/XXXX and was closed in XXXX. Yet, Experian continues to report the account as active, charged off, and past due as of XX/XX/XXXX. No validation, ownership documentation, or reinvestigation results have been provided. 

Despite prior disputes and my formal notice, Experian is knowingly publishing inaccurate and unverified information. This constitutes willful noncompliance with FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 605 ( c ), and violates the requirement to ensure the maximum possible accuracy of consumer data under FCRA 1681e ( b ).

The continued furnishing of outdated, unverifiable information after multiple disputes demonstrates reckless disregard for federal law. As a result, Ive experienced repeated credit denials, inflated interest rates, and emotional XXXX This inaction has caused lasting financial harm and directly impaired my access to fair credit.

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