vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Documentation will be attached. 

An outstanding balance of {$1300.00} was due on XX/XX/XXXX. 

Payments of {$700.00} and {$650.00} were made XX/XX/XXXX and XX/XX/XXXX, respectively. Believing the balance paid, no more action was taken on my end. 

I received another bill and called TD Bank. They advised a remaining balance was due to leftover interest accrued as well as a late fee. The customer service representative advised that the late fee would be waived and I could pay the remaining balance over the phone. I did so, paying as advised the total of {$22.00}. 

Now I am being told there was a revolving balance leftover for {$1.00}. A late fee was applied to the {$1.00} and then a late fee on top of THAT was added. I called again on XX/XX/XXXX and explained to the customer service representative, who then reviewed the filed and could not find the reason for the balance. After being placed back on hold, the call was disconnected from TD Bank 's end. 

I called again on XX/XX/XXXX. The first person reviewed the file, said that the initial agent who said the late fee would be waived was wrong and that I should have paid it and then reimbursed. She then transferred me to another department. Then I was transferred again to a supervisor. Still unable to resolve the problem, she said the file had to be reviewed further again and she would return my call. 

My complaint is regarding the leftover {$1.00} balance due to TD Bank 's representative collecting the wrong amount on the phone. I paid what I was told and should not have any remaining balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
ONB has charged a paper statement fee to my account for the last two months, despite the fact that I have paperless statements turned on. This has also happened to my wife, so this seems to be a systemic issue.

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 2025-05-13 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: SC

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
Three requests for credit report has been denied for XXXX, XXXX, and XXXX. I provided the necessary documentation to verify my identity and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
I Recently reviewed a copy of my credit report. i found numerous inquiries from creditors who did not give my permission to pull my credit report. These Inquiries are Fraudulent.Please Remove These Fraudulent Inquiries From My Credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Bank 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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
My sprint account was charged to my credit in XXXX. A debt collector called Jefferson Capital LL ( XXXX ) XXXX purchased my debt and re-aged it showing the account being opened in XXXX. This debt is over XXXX old and should not be on my credit. I have disputed this claim and I have called the collector and was told they are allowed to re age the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My loans have been discharged under the Borrower Defense act. I have received documentation supporting this. Nelnet refuses to apply this discharge to my account and I continue to pay every month on loans that do not exist. I have attempted to contact them multiple times with nothing being resolved. At this point I am owed a large amount of money that continues to grow every month I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased the stove at Best Buy location in XXXX, MD. Employees loaded on to my truck without any packaging, protective plastic or securing appliance. By the time I arrived home, the glass front was shattered. Multiple attempts at resolution via phone, in-person at another store and written complaint to address 1 ) dispute and 2 ) damages. No reply since mailed XXXX. I purchased and installed a replacement glass front and provided these receipts along with photos with my written complaint. I would like this {$140.00} either credit to my account or refund via check.

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt collector LVNV has a collection filed on my report that is not my debt. I hv never done any business w LVNV. Court order dismissal available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information includes a ton of incorrect addresses and employers that do not belong to me. 

I have been notified of multiple data breaches recently, so I began requesting credit bureau information and there are so many errors on my report. 

This is a problem for me on transunion, equifax and experian - all 3 bureaus The fact that there are this many errors on my reports is causing me significant stress.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My personal information includes a ton of incorrect addresses and employers that do not belong to me. 

I have been notified of multiple data breaches recently, so I began requesting credit bureau information and there are so many errors on my report. 

This is a problem for me on transunion, equifax and experian - all 3 bureaus The fact that there are this many errors on my reports is causing me significant stress.

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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage company bought my account from another company and added additional insurance policy at a cost of ( {$5000.00} ) dollars to my principle and increased my monthly payment and my principle balance. They also insist that I am a payment behind, which I am not. I am a ( XXXX XXXX  ) I XXXX my home and I do not pay taxes. My intrest is ( {$390.00} ) my escrow is ( {$290.00} ). My monthly payment has gone from {$720.00} to {$980.00} to {$1900.00}. On XX/XX/year> I signed a contract in the amount of {$2200.00} for wind insurance which they insist that I must have, when the insurance agent notified the mortgage company they immediately paid for the policy and added it to my account. Please investigate ( XXXX MORTGAGE COMPANY ),

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MN

Complaint narrative:
This debt was included in my XXXX XXXX in XXXX and still showing up on my credit report as updated the debt was over XXXX ago fraudulent incorrect information 15 u.s code 1692g 15 u.s code 1692c 15 u.s code 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I should not be held accountable for these accounts because they were made without my permission or approval. I implore you to act quickly to resolve this issue.

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 2025-05-13 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 late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-13 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I placed an order with XXXX ( Synchrony ) XX/XX/year>, in the amount of {$150.00} I never received the order. I contacted XXXX customer service, and I was told that it was delivered to a mail room, rather than our XXXX XXXX XXXX. I informed the customer service agent that we don't have a mail room. She then allowed me to file a dispute. Later, XXXX ( Synchrony ) denied the dispute. 

In our office ( XXXX XXXX ) there is one entrance point, where the receptionist sits. In that area, there is a video camera that records XXXX. At no time did the receptionist receive a delivery in viewing the recording, nor did a delivery person arrive to our XXXX XXXX. 

I have attached two ( uploaded ) files below, showing the receptionist entry point and the camera.

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 2025-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purchased a prepaid {$50.00} gift card, issued by XXXX, XXXX, serviced by InComm Financial Services, for my daughter to use at XXXX XXXX, since they're cash-free. After a single use for {$7.00}, the card is frozen and flagged as compromised. 

After spending a long time waiting to talk to customer service, according to them the only way I can recover my {$43.00} is to provide : -receipt of card purchase -govt ' issued id -picture of gift card via email. 

and then wait up to 30 business days! This is intentionally difficult, so that I give up and don't try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX I am filing a complaint against Barclays Bank Delaware and TransUnion for continuing to report and update a charged-off account in a way that misleads scoring models and violates the Fair Credit Reporting Act. 

This account was charged off in XXXX, and no payments have been made since XXXX. However, Barclays updated the account on XX/XX/XXXX, through TransUnion, which caused my credit score to drop by XXXX points. The account is still showing a past due balance and monthly updates, which is a clear case of re-aging. 

According to FCRA 623 ( a ) ( 5 ), furnishers are not allowed to re-age debt or continue updating a charged-off account unless the consumer is actively making paymentswhich I am not. This inaccurate reporting is damaging my credit and violates federal law.

I respectfully request that this account either be corrected to reflect its true last activity date and charge-off status, or be deleted entirely from all three credit bureaus ( XXXX XXXX XXXX XXXX  ) to prevent continued harm.

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 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XX/XX/XXXX 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 2025-05-13 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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