vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I sent seven payments for {$250.00} ( total of {$1700.00} ) through US Bank 's bill pay service ( XXXX ). The destination of the funds was a XXXX XXXX XXXX XXXX IRA account. The money was never received. I reached out to US Bank to inquire and they opened a fraud investigation. They investigated and sent me one letter verifying that the " payment was sent to the biller on XX/XX/year> to be received by XX/XX/year> ''. No additional information was provided due to the fact that the information was " sensitive ''. US Bank Fraud unit transferred me to XXXX because they handle bill pay for them. When I contacted XXXX, they said they did not support US Bank. 

I am getting the runaround and believe that US Bank has stolen the money from me. Should I get an attorney and sue for the stolen funds and damages?

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 2025-05-23 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: PA

Complaint narrative:
My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-05-23 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I paid {$740.00} via XXXX on XX/XX/year>, to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX  tuning services on my XXXX XXXX. The service was misrepresented, failed to deliver any results, and multiple tuning shops have since confirmed that this vehicle can not be tuned as promised. I filed a dispute with Bank of America ( claim # XXXX ) and submitted full documentation, including text message logs, call records, and a written statement. The dispute was denied, and follow-up emails requesting status and review were ignored. I now believe this was a scam, and Im seeking CFPB assistance to recover the funds.

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 2025-05-23 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-23 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MS

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX XXXXXXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. Identity ThefXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am submitting this complaint against LexisNexis for failing to correct inaccurate and unverifiable information on my consumer file, despite a previous dispute. Specifically, they are reporting an address I have never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ) and a charged-off XXXX XXXXXXXX account ( partial acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that contains conflicting data across credit bureaus and lacks proper validation. This violates the Fair Credit Reporting Act ( FCRA ), including sections 1681e ( b ) and 1681i. I request immediate removal or correction of these items and a formal reinvestigation with documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
My wife is XXXX XXXX XXXX and I will be XXXX in XXXX and we were scammed out of our entire services. We were called supposedly by XXXX XXXX a Fraud Officer for Handcock Whitney Bank  on XX/XX/year> telling us that we had a suspicious {$25000.00} withdrawal from our online Banking account. We were then told to get to the bank and withdraw it out before it was taken out. My wife looked on our online checking and their was a {$25000.00} withdrawal showing on it. WE took the funds ou and followed the instructions by XXXX XXXX and deposited it in a XXXX machine. XXXX talked us thru putting the information in the XXXX machine and the account was set up as aa US Treasury Account in my wife 's name and number. We got the receipt from the XXXX  machine and also a fax from the US Treasury Dept. signed by XXXX XXXX. We were then told all of our banking information, our personal information ( Social Security numbers, Physical Address, Phone Nunbers, Email Address and all the complete Online Banking Info.The only safe thing was to empty all our cash into XXXX machines in which I have their receipts as well as the US Treasury Dept. Faxes with my wife 's name and account number on it signed by XXXX XXXX. Two other deposits were picked up from our house and we also go those US Treasury Dept Faxes. Our Handcock Whitney Banks in XXXX XXXX, only question the first withdrawal not any of the rest and the worst thing about this was that we left their bank with over {$220000.00} in cash and nothing was said nor were we escorted to our car safely. We spoke to the District Manager who told us the Bank had to give us the money because it was ours. Now if they ran the reports that they should of these withdrawals would have stuck out like a sore thumb. He showed me a video where I went over and thanked another teller for her help. But he did not show the entire video of her coming over to help the young teller do the transaction and this is what I thanked her for., nothing else. This same teller a couple of days later yelledd out across the bank and said if you are going to need more money I will have to order it. Now everybody in the bank knew we were withdrawing a lot of money out. This was very Unprofessional and of course he did not show this. I read somewhere where they say that the bank does not have to give you the money if they see fit. They did not follow up on the reports that they were supposed to run and I would love to see a physical copy of them if they do exist. Please we need some help as we lost everything XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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.

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 2025-05-23 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Lendmark Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX notifying me that an unauthorized unsecured personal loan account in the amount of {$5300.00} was opened under my name and social security number on XX/XX/XXXX. I immediately got a copy of my credit report from XXXX  to verify if this fraudulent loan account was opened under my name, social security number and birthday. I confirmed the fraudulent personal loan account was on my XX/XX/XXXX XXXX credit report. On XX/XX/XXXX, I contacted XXXX to dispute the identity theft fraudulent account and requested XXXX to remove this fraudulently opened loan account without my authorization from my credit file. 

On XX/XX/XXXX, I filed a credit dispute letter with Lendmark Financial Services, LLC to demand it to take immediate action to close the account in order to mitigate and stop further potential financial loss incur on me. I also demand Lendmark Financial Services, LLC to remove, stop and block any fraudulent and derogatory credit reporting of this fraudulent account on all my credit bureaus ' credit files and to any business and government entity. Lastly, I demand an official letter from Lendmark Financial Services, LLC stating that the identity theft fraudulent personal loan account opened under my name and social security number without my authorization is not mine and I am not liable for it, and that it was removed from all my credit reporting bureaus ' credit files. I enclosed with the dispute letter a copy of my police report filed for the identity theft fraudulent loan account, a copy of my XX/XX/XXXXXXXX XXXX credit report, and an Identity Theft Victims Request for Fraudulent Transaction/Account Information Form. 

On XX/XX/XXXX, in response to Lendmark Financial Services, LLC 's request on XX/XX/XXXX for Identity verification and a copy of FTC report. I mailed a copy of my FTC identity theft report, a colored copy of my real California state ID. I aslo attached a copy of my XXXX XXXX XXXX statement for XX/XX/XXXX, and copy of my health insurance coverage information letter from XXXX XXXX XXXX to verify my current address since I had moved to after my current California state ID card was issued due to my apartment building fire in XXXX. 

As of today, I haven't received any response from Lendmark Financial Services, LLC regarding to the investigation or resolution of my dispute on the identity theft account opened by Lendmark Financial Services, LLC.

Company response to consumer: Closed with explanation