vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased a cd with u.s.bank for {$25000.00} which came to term on XX/XX/XXXX and asked for the cd amount plus the XXXX interest be returned to me at my home address which they verified. I received the {$25000.00} but never received the interest Of {$920.00}. I called and spoke with XXXX on or about XX/XX/XXXX and was told the check was cut but they would not give me a date or check number. I assumed was Lost in mail and was told I needed to fill out a stop payment form which they would mail out to receive 7 to 10 days. Never received it. I called back and talked with XXXX and she said she would handle it and bypass form not to worry. That was on XX/XX/XXXX. No check came. I called back and spoke with XXXX on XXXX XXXX who said again that I needed to fill out form. I threatened to call attorney general and her manager XXXX called me back and said he would have form sent. We verified my address. Still didnt receive the form. My last call on XX/XX/XXXX with XXXX who Again said the form needed to be filled out and she would personally handle it and I should receive it 7 to 10 days. Its now XX/XX/XXXX. No form. Im at a loss as to what to do. Also they intentionally do not put notes on my account so they can say they have no record of the calls. Point in case is my call with XXXX. When I spoke with XXXX, my last call, I forced her to give me a case number which is 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 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: AL

Complaint narrative:
I requested the original contract from XXXX XXXX XXXX I signed up for this product or service. I never received this. I requested a signature or my identification of mine showing I used this service, but I never received it. I have never bought anything from this company. This is a third-party company First Credit Services , INC , and I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: U.S. BANCORP
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding a credit inquiry made by US Bank without my authorization on XX/XX/year>. I have attempted to contact both XXXX and US Bank to resolve this issue, but I have not received any satisfactory response from either party. My complaint has been ignored, and it seems that my concern is not being taken seriously. 

As can be seen in my credit reports, I do not have any open accounts with US Bank, and therefore, I demand that this unauthorized inquiry be removed immediately. 

This incident is negatively affecting my credit report, and I believe my rights are being violated. I request prompt resolution and the removal of this unauthorized inquiry from my credit history.

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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX I refinanced my vehicle loan with XXXX and paid Hyundai Motor Finance once and in entirety my payoff amount. Information was sent to HMF to transfer my title over to XXXX. I became aware HMF had abandoned this duty after being penalized with a rate of 18 % by XXXX because they were never listed as the new lien holder. Over the course of a year calling HMF they were completely uninterested in holding up their end of the agreement or providing any information as to what happened. This company treats outgoing customers unfairly and engaged in immoral business practices by abandoning their obligations as soon as they received full payment from me. Theyve left me frustrated, financially hurt, and confused.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am Filing a Complaint against Cash App ( Block, inc. ) Due too Inadequate customer service and Unfair Practices witch violate The Customer 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 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX  is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is 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 2025-01-29 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I've had an account with Dillards for 6 years, never a late payment I've got aut pay. XX/XX/year>, Dillards changed banks from XXXX XXXX to citi. My auto pay did happen due to this change and now they put it on my credit. They keep telling me that they didn't charge me a late fee, which I would rather have then a credit problem. How is this ok?

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 2025-01-29 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 


Account 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 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 2025-01-29 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 


Account 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 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im getting alerts for accounts outside of Trans Union that is not being displayed in on by other companies that are souring my Trans Union data. I also have random accounts pop-up that Ive never seen before and inaccurate and intentional information being allowed to report from an account that has been sold off to a collection agency. XXXX and XXXX XXXX being those accounts. Ive requested on multiple occasions that Trans Union help me to obtain the information of the first progress account to show that the information in which theyre reporting is completely false. Trans Union is allowing the company to not follow consumer laws and willfully. Ignore my request and still allow them to report derogatory information damaging my financial health. 
As for XXXX it says that this account was opened over 10 years ago, but this is the first time Ive seen it on my credit report after its been reported as closed in 2024. I believe Trans Union has leaked my information and has subjected me to being a victim of criminal activity. Every time I go on their website to attempt to obtain my credit report I am heavily restricted. I reach out to Trans Union and their support team are no help or the automated system keeps disconnecting the call.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-29 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our mortgage company, Mr. Cooper, has doubled our escrow, thus causing a {$200.00} increase in our mortgage payment. 

They want over {$6000.00} in our escrow account, when our insurance is {$2200.00} and our taxes are about {$1100.00}. 

They can not explain to me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I wrote letters of affidavitand the items was removed from my credit report and later return back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am filing a complaint against Experian because they have failed to investigate and correct inaccuracies on my credit report. Despite multiple attempts to dispute these errors, Experian has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate the dispute and correct the incorrect information. This issue has persisted even after multiple letters and attempts to resolve the dispute. Additionally, the recent CFPB lawsuit against Experian for similar violations strengthens my claim that Experian is not upholding their duties as outlined under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
I am filing a complaint against Experian for failing to properly investigate inaccuracies on my credit report. Despite multiple dispute attempts, Experian has not corrected or properly investigated the charge-off status, payment history, and balance on my XXXX account ( Account Number : XXXX ). This failure to investigate and update my report is in violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). This issue persists, and Im asking for a resolution and for Experian to comply with the 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 explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
i been a victim of idenity theft 4 collections on my report and hard inquiries that i dont know about i tried to have this fix for years and its still on there.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX a with draw from my XXXX XXXXXXXX account removed XXXX on auto bay to Marcus GM card when originally I been set up for minimal payment. I called on the day of the funds to refund the payment as I had already paid that month minimal payment. the agent to me it will take 10 days to make an inquiry. We did ive Calle back numb row times the payment hasn't been applied to my credit limit and they are not refunding it I didnt authorize the amount of statement balance to remove this. I want the payment refunded and payment continue as minimal payment. this has been a big issue as this amount was un expected and cause hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding multiple over draft fees applied to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged fees. 
This issue appears consistent with the recently findings by the CFPB, which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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