vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: IN

Complaint narrative:
Escalation is advisable.

Complaint Type : Financial Misrepresentation & False Reporting by U.S. Bank Representatives Breach of Fiduciary Duty & Failure to Adhere to GAAP Compliance Failure to Provide Lawful Proof of Consideration ( FRE 301, UCC 3-305 ) Unlawful Handling of Consumer & Fiduciary Disputes Under CFPB Oversight What Happened?

U.S. Bank previously responded to CFPB complaints using false claims and misleading statements. 
XXXX, an unauthorized bank representative, responded to the CFPB without fiduciary authority, assuming the right to make legal determinations.

This response was a misrepresentation of fact and law, violating GAAP, UCC, and fiduciary accountability.

Instead of escalating to fiduciary review, the bank issued deceptive statements to CFPB, creating systemic failure in compliance.

Evidence & Supporting Documents Prior CFPB filing reference number XXXX ( submitted complaints & responses ).

Certified records of communication and bank failures.

Legal demand for fiduciary engagementnot internal corporate response.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX XXXX XXXX XXXX Original balance {$2300.00} Status Paid in settlement. {$760.00} written off. 
Status updated XX/XX/XXXX Original balance {$2300.00} Comments Account paid in full for less than full balance Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Status Paid in settlement. {$17000.00} written off. 
Status updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX Address XXXX, WA XXXX Phone number ( XXXX ) XXXX Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$12000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX EXPERIAN Inquiries : XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX  XXXX Removal dateXXXX XXXXXXXX Additional details Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX  Phone number ( 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 2025-02-06 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: EdFinancial Services
State: GA

Complaint narrative:
The company EDfinancial Services shared my nonprivate information to 3rd parties without my knowledge or consent. Edfinancial is in violation of the Family and Educational Rights and Privacy Act ( Ferpa ) 20 USC 1232g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
XX/XX/25 Equifax Subject : Dispute of Credit Report Information Dear Sir/Madam , The disputed item is as follows : Account Name : XXXX XXXX XXXX XXXX Inquiries all of them hard Bankruptcy Late payment XXXX XXXX Additional in my credit as well XXXX XXXX Data breach of my information not correct after sending in police reports as well as letters multiple times Nature of Dispute : the item is incorrect ( e.g., incorrect balance, late payment reported, Inquiries Account not mines I am requesting that you investigate this matter and remove or correct the inaccurate entry. Please find enclosed the relevant documentation that supports my claim, including [ any supporting evidence such as bank statements, emails, or a letter from the creditor confirming the error ].

Under the Fair Credit Reporting Act ( FCRA ), I request that this dispute be resolved within 30 days, and that I be provided with a copy of the updated credit report once the investigation is completed.

Thank you for your prompt attention to this matter. I look forward to your response.

Sincerely, XXXX XXXX XXXX Enclosures : Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
In light of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which has raised serious concerns about the accuracy and integrity of credit reporting practices, I am requesting that a thorough investigation be conducted on these accounts. Additionally, I expect you to provide **concrete proof** demonstrating how the accuracy of these collection accounts was verified and substantiated, in compliance with **15 U.S.C. 1681i**.

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 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Company 's Response Please see our responses to all previous complaints via the CFPB and XXXX listed as follows : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. We have verified the debt on several occasions and have explained that the charges are due to the failure to provide the required 60 days notice to vacate as mandated by your signed lease contract, as well as confirming that a statement was provided to you within the required 21 days. We continue to receive complaints on this matter and have yet to be provided with sufficient proof that the debt is inaccurate or not owed. We have conducted several investigations into your account following each dispute we have received ; therefore, it is unclear as to what dispute remains unanswered. Therefore, future complaints where no new documentation or information is provided warranting a new investigation will be closed as repetitive without further consideration. We have maintained your accounts status to cease outbound communications unless required by law or permitted otherwise and have requested your information with the Credit Reporting Agencies be updated to reflect your dispute. If you have further questions, please contact an account representative at XXXX. 

My response : Per the attached documents, Ive finally gotten a response from XXXX on broad via the Attorney General. In regards to this complaint. XXXX on broad is now stating that I only owe them. {$560.00} however Columbia debt recovery stated via the debt validation that this debt is validated for {$1600.00}. But I have a But I have an original ledger that was provided by the Property Manager stating I only had owed {$110.00}. This is false information on my credit report and I would like it removed immediately. I will also be contacting my attorney to let them know about this Company who fraudulently put something on my credit in the credit bureaus are allowing this to continue. I would like this to be removed from my credit completely within the next 30 days. You will be hearing from my lawyer very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just reviewed my credit report and was dismayed to find an unauthorized inquiry that should not be there. I check my report routinely, and this unexpected issue has left me completely frustrated. I even refreshed my browser, hoping it would disappear, but it did not. This needs to be addressed immediately. Please verify the documents Ive provided so that I wont have to worry about this any longer.

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of idenity fraud and my personal information have been in several data breaches. I have notified Trans Union Credit Reporting Agency several times regarding unauthorized inquiries. They refuse to remove the unauthorized inquiries. The following inquiries are unauthorized. I have filed two police reports and notified law enforcement of fraudulent use of my identification. : 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/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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX, XXXX Subject : Dispute of Fraudulent Collection Account Request for Validation Dear Jefferson Capital Systems LLC , I am writing to formally dispute a collection account that has been reported on my credit file under my social security number. I have recently reviewed my credit report and discovered this debt, which I believe to be fraudulent. I have never opened or authorized an account with Jefferson Capital Systems LLC, and I have no knowledge of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation of this debt, including but not limited to : 1. Documentation proving that I agreed to and am responsible for this debt.

2. A complete payment history and original contract with my signature.

3. Any supporting evidence that verifies the legitimacy of this debt.

If you can not provide proper validation of this debt within 30 days, I request that you remove this collection from my credit report and cease all collection activities immediately. Additionally, if this account is found to be fraudulent, I request that you report the deletion of this account to all credit reporting agencies. 

Please respond to this dispute in writing. If this account is fraudulent, I have to filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

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 2025-02-07 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: NY

Complaint narrative:
I WAS APART OF THE DATA BREACH AND THERE IS A ACCOUNT FROM XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX FOR XXXX BEING REPORTED BY EQUIFAX AND XXXX ON MY CONSUMER REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS THEY ARE CAUSING ME TO NOT BE ABLE TO APPLY FOR A MORTGAGE LOAN AND THEY NEED TO BE DELEATED IMMEDIATLY. THEY ARE NOT BEING REPORTED ON MY CONSUMER REPORT BY XXXX SO THAT IS CONSIDERED INACCURATE REPORTING AND IT WAS ADDED TO MY REPORT WITHOUT MY WRITTEN CONSENT ACCORDING TO 15 U.S CODE 1681B ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. AND P.L 90-321 ( 82 STAT.146 ) WHICH IS A VIOLATION OF MY RIGHTS. I WAS NEVER NOTIFIED ABOUT THIS BEFORE IT WAS REPORTED.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Under FCRA section 609 I have right to dispute inaccurate information and request it be investigated furthermore I have the right to receive proper notification I was entitled to receive a notice of sale and right to redeem after the repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
My identity was fraudulently used to create and use a cash app account. I then received a 1099-K saying I made over $ XXXX. I am trying to get the account closed and get them to cancel the 1099-K with the IRS. 

I contacted cash app support on the phone and they sent me an email requesting additional information, which I completed. I have not heard back. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Equifax perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate.

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I deposited a check into my account which ended up being a scam. Before I found out it was a scam the check was placed on a 10 day hold. Before the hold was released there was a withdrawal from my account, which I found out about after the hold was released. This prompted a claim being filed on XX/XX/year>. On XX/XX/year> I returned to the bank for an appointment with a banker in order to find out what was happening with my account. I was told my account was under review and that it would most likely be closed. After the completion of my account closure, I was to be sent the balance on my account. The balance included my direct deposit from my employer, as well as, a paycheck advance for {$75.00}. I was told my balance would be sent to me in the form of a cashier 's check after the completion of my account closure. The account has since been closed. I received a detailed bank statement after the account was closed. I have yet to receive any of my funds. I reached out to Chase once again on XX/XX/year> regarding my balance. I was told I needed to file a claim because there was never one started. I already have a claim number that I received on XX/XX/year>, but I was told there wasn't one started. It has been over a month and I have only received the run around. I only expect what I am entitled to, which is my hard earned pay. There was no way for me to access any of the funds on my account because it has been on hold. Therefore there is no possible way I had anything to do with any missing funds. Chase Bank has acknowledged that the withdrawals came from someone on their end so why are my funds on hold?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am being unfairly treated and targeted by this bad organization and this bad company who does property management with The XXXX at XXXX in XXXX, VA. They unfortunately provided me little to no information and used my personal information to set up an account with deposit iq a company I have never heard of. Now they are stating is my fault and I owe over XXXX. They have now proceeded to damage my credit score. I disputed it and with experion and experion is refusing to remove the damaged account information that inaccurate and wrong. I dont understand what to do. This in not my debt.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Hamiltonian Inc.
State: CA

Complaint narrative:
I contacted the business via their websites contact form and have received no response or acknowledgment. I want confirmation that my account is closed and paid off in full.

Company response to consumer: Closed with explanation