vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am the owner of a vacation rental business and am filing this complaint regarding a credit card dispute involving USAA Federal Savings Bank - Credit. On XX/XX/year>, a customer booked one of my vacation rental properties for XX/XX/2025, which included a popular holiday weekend. The customer agreed to our terms and conditions, including our cancellation policy, at the time of booking. 

Subsequently, the customer decided to cancel their reservation. As per our clearly stated cancellation policy, they were entitled to a 50 % refund, which was promptly processed. 

However, the customer then initiated a dispute with USAA Federal Savings Bank - Credit. Without proper investigation or consideration of our documented policies, USAA decided to refund the customer their entire purchase amount, effectively overriding our cancellation policy and withdrawing funds from my account. 

This action by USAA appears to disregard the agreed-upon terms between my business and the customer, and potentially violates fair practices in credit card dispute resolution. I request an investigation into USAA 's decision-making process in this matter and seek clarification on their authority to override clearly stated business policies in such disputes. 

I have documentation supporting all aspects of this complaint, including the original booking agreement, our cancellation policy, proof of the 50 % refund, and all relevant communication records. 

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 explanation
Consumer complaint received 2025-03-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have received an Amex gift card of {$2500.00} -- which is totally unused at the moment but has been declined by several merchants because the expiration date is not valid -- it is for XX/XX/year>. I asked Amex GC services if they had a solution, they said the expiration printed on the card is just a valid through date and isn't treated like a typical expiration date for a CC or Debit Card. However, the expiration date being 10 years into the future is making my card unusable for all online merchants. I also tried to upload the card to my XXXX XXXX wallet as recommended and I still had issues with successfully completing my purchases for XXXX, XXXX XXXX, and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: CT

Complaint narrative:
I was reached out to by Shepherd Outsourcing first at XXXX on XX/XX/XXXX with them saying I owed money regarding my XXXX with the current creditor being XXXX XXXX XXXX. They used the name XXXX when addressing me the first text they sent which my name is not. I am a male, named XXXX. They then proceeded to send another text with more threatening words speaking of how we have limited time to work with you. This is a huge scare tactic to get you to pay for something you didnt play part in. I am XXXX with XXXX debt and XXXX credit how is it legal for these companies to be reaching out and threatening me over debt that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth Third Bank has been inappropriately applying monies and they charging late fees to my loan, their online payment system is not allowing me to see all payments on the loan it will only show me through XX/XX/XXXX, they took payments with late fees on them and applied the late fees to the principal keeping the loan in a state of default so they could charge more late fees, even after XXXX XXXX phone call with supervisor which was recorded and we did what they told me to do which on the phone call I was told account was current they are charging XXXX in fees again 12 days later in that same month, their whole online payment system is a trick on the consumer, they will not play the phone call on XX/XX/XXXX that we had with the supervisor for us to clarify what is going on they said they don't have to play if until a judge order them to, this is dishonest, we have letter from them and they have stated that they have no record of them, they are not looking at our documents from our bank where we have proof of all payments and late fees, they just continue to state we owe all kinds of fees with no justification or proof someone please help with this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I took out a loan and maybe XXXX XXXX after I XXXX  my XXXX  as a XXXX XXXX XXXX. I am now XXXX  and can start to make payments on this loan, however I am unable to pay what the Law Firm is asking. I have set aside funds from my paycheck to start making payments, however I've been told that it's not enough. I'm scheduled for court on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 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 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 2025-03-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I was notified by the Bureaus that they received my information and dispute letter. However, they refused to investigate, claiming it was not properly authorized by me and suspecting it was submitted by a credit repair company. 

I have been dealing with this same issue with ( Bureau ) for months, and I am beyond frustrated. It feels like my rights as a consumer are being disregarded. I have the right to dispute any inaccurate information on my report, yet every time I submit a letter, I receive the same response. 

Please advise on how I can resolve this issue. 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 explanation
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX COAF - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: OK

Complaint narrative:
I did a construction loan with XXXX and when completed I ask for an escrow analysis because I am a XXXX veteran and have property tax exemption. They completed the review and sent me notice of the update on XXXX XXXX. Subsequently they sold the loan to BSI financial, and they sent me notice of this on XXXX XXXX. BSI did not have the correct information about the escrow analysis and were charging me a higher rate on the loan for taxes and insurance. I have called them twice trying to correct this problem and ask them to reach out to XXXX to get the correct information regarding the payment rate. Then BSI ask for my insurance and i provided it twice despite the fact they should have that information. Then they say they took taxes off but set my insurance rate higher stating they did not get the information. My insurance policy premium is {$130.00} a month but they changed it to {$290.00} a month despite providing the information. BSI are difficult to deal with and won't properly correct my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. XXXX ) that you, the 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 a personal reports.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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. 
inquiries included 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like for Trans Union to update my credit report on XXXX XXXX XXXX  and XXXX XXXX  can you please remove an update your report like XXXX and XXXX has this is holding me back and affecting me in a negative way my other two credit reports are in excellent standings and this is the only one reporting negative information. Can you please have Trans Union delete both of these accounts?

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 2025-03-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-19 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: CA

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. XXXXn, 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
There are late payments being reported on my credit report I am only XXXX and only have one account open in good standing these late payments being reported are false and I need them removed from my report I paid off plus closed the accounts both accounts were secured so they just stood with the deposit and I paid the remaining {$20.00} over the phone this is affecting me really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Hometap Equity Partners, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against HomeTap , Inc. 
This was the mortgage company that I thought was a registered Reverse mortgage lender to help me out when I needed it. It appears they took major advantage of me in multiple ways. Parts of their program may have similar components as a Reverse mortgage. I believe it is an option loan on my home. The communication was poor from this company, and I never got a monthly statement! Plus, the terms of the are vague and the huge charges and/or terms are usuary violations in my opinion. XXXX XXXX is the charge, but it says up to? I did not understand. 

I was charged I see {$730.00} for a transfer tax. But I did not sell or change vesting? I was charged {$420.00} for an intangible tax. Plus was charged $ XXXX an up front fee! They did not communicate well at all in helping me comprehend these unusual complex terms and fees. I feel I was misled and taken advantage of! 

Besides putting the lien on my home, they also may have put a UCC on my home. Uniform Commercial Code. Which means they could also have a lien on all your stuff. Tvs, beds, washer, dryer, fridge, stove. Anything that had value. This was extra collateral besides the house!! They could take if terms were not followed. 

Plus : Waive your right to a JURY trial. 
You pay all costs on both sides of trial and or hearing I believe that this company practices and procedures need to be reviewed for any regulatory action determined. I am filling a complaint with the following entities : FTC ( Federal Trade Commission ) CFPB ( Consumer Financial Protection Bureau ) XXXX ( XXXX XXXX XXXX ) I appreciate your time and focus on this serious matter. I am a XXXX XXXX, and we need to be protected from these types of companies. XXXX I have all documents for your review if needed. I can be reached at XXXX and my email is XXXX I look forward to your involvement with processing this complaint.

Sincerely, XXXX XXXX XXXXXX/XX/year>

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 2025-03-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 


Account Name : XXXX XXXX XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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