vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX I paid {$610.00} to the US BANK. I paid the bank the money through chime online. They accepted the payment XX/XX/XXXX. A day later on XX/XX/XXXX they do a " payment reversal '' and send the money back, but they actually never sent me the money back. So I've paid {$610.00} and now they're wanting {$640.00}. I already paid the money and they never sent my money back, so I can't do anything. I went to ask for help at the US bank, they told me to get a real bank, not chime. HOW DOES THIS HELP ME RESOLVE ANYTHING? I ALREADY PAID IT. I NEVER GOT ANY MONEY BACK, SO I SHOULDN'T OWE ANYTHING RIGHT?? I watched my bank account and it never came back, and I even checked my monthly statements.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have a US Bank credit card. I used it for a balance transfer in XX/XX/year>, changing my monthly statement balance from {$25.00} to over {$7000.00}. I paid a fee of {$360.00} to do this transfer. My monthly auto-pay had been set to pay the entire balance when it was smaller, but I did not change it when I did the balance transfer, so I inadvertently paid the entire balance transfer amount. They initiated this payment days before the payment was due and I called the moment I was notified that the payment was happening. They said it was too late to stop the payment. Their notification process is fraudulent as well as more of the story coming. They should have a notification process that allows the consumer to change their payment after being given advance notice. XXXX does this! It's great! 

That was my XXXX payment. So, I had to call back the day it officially went out of my bank. They said they would refund me the payment, minus the minimum payment and they would charge me a fee. ( this is the second time they charged me a fee in XXXX month ). Then they mailed me a check instead of just putting the money back! They gained interest on that delay. 

I had changed my auto pay to ONLY pay the minimum. So, the minimum is actually what came out in XXXX. THEN, in XXXX, suddenly they did it again! They took the entire balance out of my checking account. I called again the second I got the notification. Again, days before the payment was due and they refused to stop the payment, claiming they " can't ''. So, I called my bank and created a stop payment on the transaction to block them from taking my money again. 

This is fraudulent in so many ways and I can't imagine how much money they have made off this sketchy tactic.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX, my debit card information was compromised online and a cyber criminal entered the details of my card to pay themselves {$1200.00} ( the remaining balance on my account at that date ) through XXXX. I informed Wells Fargo that I did not have XXXX and that there is no previous XXXX payments on my account history, that this could not have been me, and that they should provide me with provisional credit. After numerous calls and even visiting a Wells Fargo branch, they failed to provide me with the provisional credit claiming " the transaction is still pending and we cant give you credit until it posts. '' Well the transaction did post and I received nothing. Today, XX/XX/year>, I learned that my case was closed and the amount stolen was not refunded to me. I received no letter, no phone call, no email -- just a push notification through the Wells Fargo app that the case had been closed. I had to call the claims department again. He, himself, was dubious that I would I take my entire XXXX weeks pay out of my account through XXXX. My account history transaction proves that I use my debit card on a daily basis and I depend on this money for everyday needs! It makes no sense that I would authorize this transaction. I have been with Wells Fargo for over 10 years and now I am considering changing banks. This is unjust and 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 2025-05-09 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: PA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: RI

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 non-monetary relief
Consumer complaint received 2025-05-09 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: FL

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 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 2025-05-09 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:
I am a victim of identity theft. The following FTC report ( attached ) shows that information appearing on my credit report is fraudulent and does not pertain to any transactions I have authorized ( please refer to FTC report for accounts ). In accordance with Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2, I request that you block reporting of this fraudulent information from my credit file within 4 business days. Additionally, please notify the furnisher of this information of my dispute and the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am a victim of identity theft. The following FTC report ( attached ) shows that information appearing on my credit report is fraudulent and does not pertain to any transactions I have authorized ( please refer to FTC report for accounts ). In accordance with Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2, I request that you block reporting of this fraudulent information from my credit file within 4 business days. Additionally, please notify the furnisher of this information of my dispute and the action taken.

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 2025-05-09 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: FL

Complaint narrative:
I am a victim of identity theft. The following FTC report ( attached ) shows that information appearing on my credit report is fraudulent and does not pertain to any transactions I have authorized ( please refer to FTC report for accounts ). In accordance with Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2, I request that you block reporting of this fraudulent information from my credit file within 4 business days. Additionally, please notify the furnisher of this information of my dispute and the action taken.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a failed payment on this account. My account was then closed. The next statement had me paying a minimum amount due. Then the following month, the statement said I had to pay a minimum due do over {$300.00}. I communicated several times that I did not have the means to pay this as a lump sum and this felt very predatory since the month prior did not have a large unrealistic minimum due. I was told this would be escalated to the Executive team and I would receive a response. I waited until I heard back in hopes they would work out a payment plan with me so I missed the due date. I then just made a random payment a day late ( also convenient how they did not reply in time for my due date ) so something was paid and I paid around what my minimum payment used to be. When I received the letter from them on XX/XX/year>, I was told that nothing was wrong on their end. Nothing about my inability to pay that large of an amount. So I replied back and asked why this was ignored. Then they responded that I have to wait weeks ago for them to look into this. I received another letter on XX/XX/year> with the same canned response and again ignoring my inability to pay. I have tried to email them several times since then and they have either blocked me or just ignoring me. So I went on their online chat and was told that even though the minimum amount due is so high, I do not have to pay that and the statement would say each month the actual minimum amount that is needed to be paid to avoid any late fees or have a past due status go to my credit report. Okay, so I did that. Well my statement was generated today for the next due date and it is the high minimum due of $ XXXX with no other amount that I am able to pay. So again, over XXXX months of asking for payment assistance to not be considered past due and I have been lied to and ignored.

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 2025-05-09 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: WA

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-05-09 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I initiated a money transfer request from Citizens bank to XXXX XXXX saving bank to transfer {$25000.00} into Citizens saving account. The money of {$25000.00} was deduced from XXXX XXXX bank on XX/XX/year>. But up to XX/XX/year>, the money was not deposited into the Citizens saving account yet. When calling Citizens bank, they admitted they had the money but they said they wanted verify my account information in the XXXX XXXX saving bank and they did not get response yet. While I called XXXX XXXX saving bank, they said they never received any request. When questioned this on a call to Citizens bank, they gave another excuse that I did not have sufficient fund in my XXXX XXXX saving bank, this is obviously not true. So I requested for money returning back to original XXXX XXXX XXXX bank account, and I was given a trace # : XXXX, and was promised that the money would be available in my XXXX XXXX XXXX bank by XXXX  XX/XX/year>. However, up to today, I have not seen the money in my XXXX XXXX saving bank yet, and when I called Citizens bank, they do not know whereabout of the money. I am also very frustrated at the way Citizens bank handling my money transfer, for almost half month no returning to originated bank or contact me by phone or text message if they need information to complete the transfer. The holding of {$25000.00} for almost half money without taking any action and the money right now is still unknown whereabout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX  XXXX - XX/XX/year> - {$1200.00}

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 2025-05-09 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: DE

Complaint narrative:
i sent a dispute letter to transunion numerous amount of times for the same account lvnv funding which is reporting innacurate information on my account. transunion reponds to my disputes saying the informations is verified and they updated changes but no changes were made as the accounbt is still reporting innacurate information on my reprot, and i have never recieved a method of verification from the bureau ever and i requested a method of verificaiton on every dispute i have sent in to XXXX XXXX, their negligence and wilful non compliance is diminsihng and damaging my credit and preventing me from financial opportunities

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