vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
Supplemental Memo to CFPB Date : XX/XX/year> To : CFPB XXXX Response From : XXXX XXXX Re : Complaint ID XXXX Supplemental Submission Summary of Issue This is a supplemental submission to Complaint ID XXXX, originally filed on XX/XX/year>. The original complaint was closed after U.S. Bank stated that the IRS was reclaiming the funds from my deposited Treasury check. Based on that representation, the complaint was closed. Subsequent investigation has revealed that this statement was false. 
Correction of Record On XX/XX/year>, I spoke with the XXXX  XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX ). XXXX confirmed that the IRS never requested reclamation of these funds. Instead, U.S. Bank unilaterally notified the IRS of its own suspicion, which generated an internal reference number. U.S. Bank then misrepresented this as IRS confirmation of reclamation. 
New Issues Since Original Complaint - On XX/XX/year>, U.S. Bank closed all of my personal and business accounts. I view this as retaliation for my complaints. - U.S. Bank has retained the IRS refund for more than a month without releasing the funds to me or returning them to the Treasury. - By closing my accounts, the bank also removed my online access to statements, creating serious difficulty in filing taxes and maintaining business records. 
Harm - I have been denied access to {$270000.00} in IRS refunds for more than a XXXX. - Mortgage and business obligations have gone unpaid because of U.S. BankXXXX  actions. - The retaliatory account closures caused financial disruption and additional hardship.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECEIVED A NOTICE OF DATA BREECH AND OFFER FOR 24 MONTH PROTECTION COVERAGE FROM MYTRUEIDENTITY ( TRANS UNION ) ON XX/XX/XXXX. I HAVE TRIED SIGNING UP FOR THIS PROTECTION SINCE THAT DATE AND THE SYSTEM IS NOT ALLOWING ME TO SIGN UP. I HAVE CALLED XXXX TIMES AND EACH TIME WAS TOLD THE " SYSTEM IS DOWN '', TRY AGAIN LATER. 
XXXX AGENT TOLD ME I HAD TO CANCEL MY EXISTING COVERAGE WITH THEM TO BE ABLE TO SIGN UP FOR THE FREE 24 MONTH COVERAGE. 
NOW, AFTER THIS DATA BREECH ( DOB/SS # ) I AM WITHOUT COVERAGE AND STILL NO RESOLUTION. HOW LONG MUST A VICTIM WAIT FOR THE " SYSTEM DOWN '' TO BE RESOLVED?? THIS IS UNACCEPTABLE...

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 2025-09-08 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
XXXX XXXX  had a fraud account with my name and turned it over to collection company never notifying me of any bill being owed or account being opened. XXXX XXXX  attached to my credit report as a nonpayment account. Sold the account to Maury - Cobb attorneys, Repeated calls to them un answered. XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not submitted in error. The following accounts appearing on my credit report are unauthorized and were never opened or managed by me : [ list accounts ]. Their presence is inaccurate and harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a CD with Wells Fargo bank. By email, informed the application was approved, Application Reference number : XXXX. 

I book an appointment with my local Wells Fargo branch to fund the account by transferring the money from my XXXX XXXX XXXX. The representative could not fund the CD and informed me to send a check as the email stipulated. That representative helped cut a certified check for {$150000.00}. 

I sent the check to Please mail a check or money order ( payable to yourself ) to : ATTN : Document Capture COE/Product Open XXXX WELLS FARGO BANK , N.A . 
XXXX XXXX XXXX XXXX, NC XXXX The email informs me : your account can not be opened until we receive your opening deposit The Wells Fargo XXXX and I can not see an account yet, as we wait till it is funded. 

On XX/XX/year>, I sent the certified check which was received USPS Tracking Number : XXXX Delivered, XXXX XXXX XXXX, NC XXXX XX/XX/year>, XXXX XXXX. 

I have called Wells Fargo multiple times. They have received the check and told me it will be deposited in XXXX XXXX XXXX. I called again and again to be told it will be deposited in XXXX XXXX XXXX. I am on the phone now for an XXXX  with XXXX while writing this complaint. 

The CSRs have explained the CD account should be funded but no one knows how or when and that it should not take this long. 

Wells Fargo is holding my certified cashiers check for {$150000.00} since XX/XX/year> and will not deposit/fund the account. 

I wish for the CD to be funded. Or deposit the money to my XXXX XXXX so I can open a CD with another institution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA 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 monetary relief
Consumer complaint received 2025-09-08 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 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

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 2025-09-08 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: PA

Complaint narrative:
I used Klarnas installment loan service to pay a merchant. The merchant received my returned merchandise, with proof of delivery, signature confirmation, and emails acknowledging receipt. However, the merchant refused to refund. They provided deceptive and misleading information, intentionally delayed correct return instructions and Klarna also failed to provide clear guidance, which together caused the return to be late, and later merchant tried to coerce me to cancel my dispute in exchange for a refund. 
I submitted full documentation to Klarna. My bank independently reviewed the case, confirmed I was not responsible, and converted the provisional credit into a permanent refund. Despite this, Klarna closed my dispute prematurely without official notice, citing lack of sufficient evidence. They claimed they could not act further, told me to contact the merchant myself, and continued to charge me. 

Klarna bears responsibility : by introducing and partnering with untrustworthy merchants, they expose consumers to harm. Instead of remedying the loss, Klarna enables the merchant and pressures the consumer.

Klarnas conduct constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal consumer financial law. The merchants conduct constitutes unfair and deceptive trade practices by providing misleading information, delaying returns, and coercing the customer. Both parties violated fundamental consumer protection principles. 
( I provided the order reference as the loan number for identification ), Additional Supporting Evidence : In addition to my own documentation, I have also collected third-party evidence showing that multiple other consumers publicly reported similar misconduct by the same merchant on online platforms. These reviews consistently describe the merchant as fraudulent or a con artist, indicating a clear pattern of deceptive practices rather than an isolated incident.

There are many more third-party reports available about this merchants misconduct ; the examples I provide here are only a few among numerous complaints. This demonstrates that the merchants unfair and deceptive behavior is widespread and recurring. By continuing to partner with such a merchant, Klarna ignored obvious warning signs and exposed consumers to ongoing harm.If additional information is needed, I am able to provide further supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This is not submitted in error. The following accounts appearing on my credit report are unauthorized and were never opened or managed by me : [ list accounts ]. Their presence is inaccurate and harming my 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
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I asked them to remove all inquiries and any accounts opened fraudulently due to the data breach trans union experienced in XX/XX/year>. I sent this today XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SD

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$720.00}. According to my payment history and statement, {$230.00} was applied to interest and {$480.00} to principal, which matched the XXXX XXXX from my XX/XX/XXXX statement. This should have cleared all accrued interest at that time. 

However : My XX/XX/XXXX statement already showed {$120.00} accrued interest only 4 days later. With a daily interest rate of $ XXXX, that figure should have been about {$29.00}, not {$120.00}. 

By XX/XX/XXXX, my account showed {$240.00} accrued interest. Based on the daily rate, it should have been about {$150.00}. This discrepancy equals XXXX extra days of XXXX  interest. 

When I contacted my servicer, I specifically requested a daily interest accrual ledger showing how these balances were calculated. They admitted no such document could be provided and instead claimed I had {$99.00} of outstanding interest after my XX/XX/XXXX payment. This is directly contradicted by my payment history and statements. 

I am requesting : A full accounting of interest accrual between XX/XX/XXXX and XX/XX/XXXX. 

Correction of improperly carried or double-counted interest charges. 

Written documentation showing how payments are applied and how accrued interest is calculated. 

I have attached my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements, along with my payment history screenshot, which demonstrate the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to make an international wire transfer of {$12000.00} USD from my Bank of America account to my brother 's account in XXXX ( in XXXX ). Bank of America charged me a {$45.00} wire transfer fee. 

However, due to an error on Bank of America 's part, the funds did not reach the recipient. Instead, the money was stuck at XXXX ( as per a Bank of America representative on the phone ). Bank of America then requested the funds back, but when the money was returned to my account, {$50.00} was missing. 

As a result, I am out {$95.00} in fees ( {$45.00} + {$50.00} ) for a transfer that was never completed. I find it unacceptable to lose nearly {$100.00} because of an error that was not my fault. 

I am requesting that Bank of America refund the full amount of the fees so I am not penalized for their mistake.

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 2025-09-08 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
So I stayed at a hotel in XXXX and they with held {$450.00}. Minus what I owe Im suppose to be sent back {$180.00}. But I called the hotel and they said they released the funds. But then Cash app is telling me that they are holding it. So someone is lying. I need my money asap because I can just have money flying in the air.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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