vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
First United Bank reversed payments on utilities that was not asked to do so. Now the dish network has been shut off and cell phones go off soon. I pray that the electric and water doesnt get shut off if they decide to do reverse those payments. My grandmother and I have not asked the bank to reverse any payments. My nana watched XXXX non stop and is extremely upset about this. She is confused and Im trying to explain why but its hard for her to understand she has early XXXX and Im supposed to handle these things for her but makes me look incapable of taking care of things for her causing more stress and XXXX  Im the XXXX  and the bank refuses me access. Even though the bank themselves notarized the XXXX  and accepted the document. I just need this fixed so my grandma can have peace of mind. We cant even get groceries this weekend due to them shutting her card off once again for the 8th time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2025, my employer gave me an American Express gift card with a balance of {$1700.00}. I was able to use it for some purchases, though it was difficult to use at many locations. The balance reached approximately {$1300.00}. My cousin wanted to buy the card, so I sold it to him. Later, when we tried to use it at a gas station, it was declined. We attempted to use it elsewhere, but it was declined again. When I checked the balance on the American Express website, I discovered the card was locked. I initially thought this was due to selling it, but that didn't make sense since the card wasn't linked to my name or ZIP code. Anyone should have been able to use it. 
My cousin called American Express, providing his name. They informed him that someone else had claimed ownership of the card and requested a purchase receipt and his ID. He told me what happened, and I then called American Express. They asked me to send my ID, the card number, and the purchase receipt, which I did via email. I was told the issue would take 45 to 90 days to resolve.

After a few weeks, I emailed them for a follow-up, but received no response. After waiting a few more days, I called again. They said they couldn't find the documents and asked me to resend them, which I did. However, I didn't receive a confirmation. After a few more days, I called again. A representative told me the complaint had been filed under the wrong category and that they would issue a new card, but I needed to send the documents to a different email address. I did so, but I still haven't received the card. 
Meanwhile, my employer gave me another American Express gift card with a similar amount. This time, I decided to keep it for myself. When the balance reached approximately {$1300.00}, this card was also locked. I had to call American Express again, both to follow up on the first complaint and to file a new complaint for the second card. They said there was a technical issue and that they would issue a new card within three days. It has now been almost a week, and I haven't received anything.

This is incredibly frustrating, as these gift cards were compensation for extra work. I am unable to use them. I need this issue resolved, as I haven't been able to get a satisfactory resolution from American Express representatives. Please let me know if you need any further information. Thank you. 
The case numbers for both complaints are : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has egregious reporting practices. They reported me 90 days late to all 3 credit bureaus without letting me know of the 30 or 60 days past due. I never received anything in the mail from them in regards to any issues. They caused my credit score to drop XXXX points, that's outrageous. This pratice is unfair to me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
This companys reports medical debt to the credit bureau they disregard the CFBP rule with wag updated XX/XX/year>2025 rule became effective 60 days after. They should of took it off but instead they updated it on XX/XX/scrub> 2025 on my credit report this company clearly acts in bad faith in order to make us pay even if we do not have money they operate like scammers dont care about payment plans just to sue you. You can look at a court schedule any given day and they sue multiple people every day they dont care they are up to something bad here. And they dont cara about payment plans they can say anything here about payments plans but its a lie. They just want to sue and thats is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-06 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: EQUIFAX, INC.
State: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX has assumed debts from creditors who never allowed me to use my legal right to remedy payments with a deferment or hardship due to XXXX. The issue began when I became XXXX on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institution, without even as much as a late payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. XXXXXXXX XXXX instead has bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit. Nor will the company XXXX XXXX provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As previously stated in my previous complaint, Citibank is still Holding my money hostage, they ask me to come into the branch which I did. I show them my letter from social service administration office verifying my funds they then said to bring in my business documents which I did on XX/XX/XXXX. They unlock my account the next day n ship me a new card. I receive the card yesterday ( XX/XX/year> ) I activate the card and went to go withdraw money which I couldnt. I was told to contact Citi bank which I did n then I was told my account is under review. Like what? Its been over a month since I have the account and been dealing with this issue, why is it now my account is under review when I just did so much back and fourth. This is non sense and it is literally breaking my body and faith down. My XXXX  is out the roof because any second I could get evicted. Its like Citibank want me to XXXX XXXX so they could keep my money and if this keep up that though might just become reality. 
I was told its on a Citibank special team account review like this is ridiculous and if anything happen to me please hold citi bank accountable and its in writing for public records. My lawyer also have copys of all my emails n complaints being sent to Citi bank Citi bank executives case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Charged off, written off by one main financial still requesting payment after receiving a tax break from the irs. However has never sent me the 1099-c Form & is still reporting to my credit report each month hindering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I sent payments through XXXX for any apartment listed on XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NC XXXX. Application fee {$70.00} Security deposit {$400.00} After the payments were received XXXX stopped all communication phone calls and emails.

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 2025-04-07 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: NJ

Complaint narrative:
Please remove the following mentioned accounts and inquiries from credit report. They are unauthorized and are fraudulent. The items are : XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX Please remove fraudulent accounts. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$2500.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$19000.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$31000.00} XXXX ( XX/XX/XXXX ) {$400.00} XXXX XXXX XXXX {$1100.00}

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 2025-04-07 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Please remove the following mentioned accounts and inquiries from credit report. They are unauthorized and are fraudulent. The items are : 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 XXXXXX/XX/XXXX Please remove fraudulent accounts. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$2500.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$19000.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$31000.00} XXXX ( XX/XX/XXXX ) {$400.00} XXXX XXXX XXXX {$1100.00}

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 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX I leased a XXXX XXXX from XXXX XXXX of XXXX, Florida. After a year of leasing, I decided to turn it into a buy-out for around {$17000.00}. The payments were a ridiculously high amount of {$370.00} a month and the lending company was " ally '' of XXXX, Minnesota. 
Now after six years my balance is now, believe it or not, {$22000.00}. If that is not loan sharking what is? Now I am three months behind in my payments. What incentive do I have to make another payment? Yesterday I received a letter from ally that if I do not make a payment of {$780.00} by XX/XX/XXXX, then " we may exercise our rights under the law, including repossessing the collateral. '' Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX, the issuer of my XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My account # is XXXX XXXX XXXX. 

On XX/XX/year>, I mailed a check to pay my full statement balance for this credit card. The check : Was made payable to " XXXX XXXX XXXX XXXX '' ( as that name is printed on the front of the card ), Was mailed to the correct Bread Cashback payment address for Comenity Bank, and Included my correct Bread Cashback account number in the memo line. 

This was my first payment to the account, and I was trying to ensure it was processed on time and in full. 

The check was cashed on XX/XX/year>, according to a record provided by my bank ( XXXX Bank ). I submitted a formal dispute with Comenity, and included a clear copy of both the front and back of the cashed check as part of my documentation. 

Despite this, XXXX responded that the check was " cashed by another company '' and claimed they never received my payment. They refused to identify who deposited the check, despite already having the image of the back of the check. They then proceeded to charge me late fees and finance charges for what they claim was a missed payment. 

The endorsement section on the back of the check does not say Comenity Bank, but instead includes a string of numbers and internal banking codes along with : BANK XXXX XXXX XXXX ( a routing number that belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These markings indicate the check was deposited through XXXX XXXX  XXXX, likely electronically, without a handwritten endorsement. I do not recognize the entity that deposited it, but XXXX has the ability to identify this based on the image they already received. 

I am concerned that : XXXX may have mishandled or misrouted my check internally, Or their third-party processor accepted and deposited the check but failed to credit my account. 

Regardless, I provided ample documentation showing the intent and delivery of payment, and XXXX is now wrongfully charging me fees and claiming non-payment. I also fear this may negatively affect my credit report if not corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I previously put in a dispute about XXXXXXXX XXXX XXXX, ( which is a medical debt ) & however, it wasnt REMOVED, instead, it was verified as ACCURATE! In XX/XX/year>2025, the CFPB passed a law that All medical debts would be removed from a consumers credit file, HOWEVER? This didnt happen in my case & I received the notice I am about to attach.

I was denied.

This is my second request to remove a banned medical debt from my credit profile or legal action will be considered.

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 2025-04-06 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: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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