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 — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I accidentally made a purchase on XXXX on or about XX/XX/XXXX using my USAA account via XXXX. The purchase was immediately cancelled and no confirmation for the purchase ( delivery, tracking, XXXX of items, etc ) was ever given. All I received was an email verifying the confirmation of the cancellation and the refund amount ( which I uploaded and shared with USAA ). I was also told, via email, that the refund would come in 2 separate amounts, {$14.00} and {$24.00} due to the items coming from different vendors. On XX/XX/XXXX a partial refund of {$14.00} was refunded but it was immediately charged back. I have no proof of the {$24.00} being returned at all per my USAA banking statements. I spoke with XXXX and XXXX and both say the amounts, equaling {$38.00}, were refunded to USAA but again, it is not in my account. I have uploaded all documents I have from XXXX and XXXX via the USAA app and received confirmation of their uploads. Upon speaking with the USAA representative, she was able to verify my story and see where the money has never been deposited back into my account however she was able to see where the money was refunded from XXXX but suggested that perhaps due to an error on USAAs part it was not put into my account ( she left notes for the dispute department ). If possible Id like the opportunity to speak with someone to further explain my situation if needed which has been declined and Id like to know why I was never refunded.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I recently returned from my trip to XXXX and have had several transactions which were fraudulent and not authorized. 

I contacted the customer service in the morning and due to the horrendous level of customer service I wasn't able to either dispute the transactions or even complete the fraudulent claim on the account. I was actually hang up by the agent although I was not abusive or disrespectful. The call needs to be listened to as this on how the calls should NOT be handled by any means regarding courtesy or professionalism : Here are the issues that Barclays seems unable to address as far as dispute/ fraud is concerned : Fraud : Finpay {$11.00} XX/XX/XXXX XX/XX/XXXX, {$16.00} XXXX XXXX and XXXX XX/XX/XXXX, {$35.00} XXXX XXXX I did not stay at this hotel and the booking was made at the completely different place. I reached out to Booking.com and on their end they also can not cross reference this charge. 

Dispute ; XXXX XXXX XXXX  XX/XX/XXXX, {$9.00} The cancellation for the stay was made around XXXX on XX/XX/XXXX, unfortunately booking.com failed to process the cancellation. I am allowed to make a cancellation before midnight on XX/XX/XXXX. 


I am sorry but there is something completely dysfunctional at Barclays as they can not seem to be able to process such simple task as this. It is truly reprehensible that the QC procedures regarding the customer service and internal calls just simply do not 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This information was added to all my credit reports. This is not my credit behavior or my account. They will not send me a validation letter with my wet signature because they dont have one. I have disputed this and no results. Below is what they report on my reports. 

Account name AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XXXX Status Collection account. {$2.00}, 063 past due as of XXXX XXXX

Status updated XXXX XXXX Balance {$2000.00} Balance updated XXXX Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Month On record until XXXX XXXX XXXX

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau, photo ID, the documents needed, a bill/statement, and a letter from an advocacy group helping me due to Human Trafficking-Debt Bondage , which falls under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) ( 5 ) 1002. 142 ( b ) ( 7 ). Ive provided my photo ID along with the other required docs.

Id greatly appreciate the blocking of the information from my consumer report within the four business days, pursuant to 605C of the Fair Credit Reporting Act.

With having given you proof of my identity and the victim determination letter as according to 1022.142 ( b ) ( 6 ), I expect this to be handled promptly.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Someone falsely opened a credit card with Revvi in my name. I informed them multiple times I did not open said card. They continually harass me and report to my credit card company. I made payment arrangements for them to close the account once paid. I made the payment and they continued to request payments and report negative activity to my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Mazda Finance has violated its loan terms and refuses to resolve the problem after multiple calls. As of the XXXX billing statement dated XX/XX/XXXX, the outstanding loan balance was {$4400.00}. Since XX/XX/XXXX, I made XXXX payments totaling {$4400.00}. Despite these payments, Mazda finance has increased the account balance to {$6800.00}. I suspect the problem started when Mazda processed an extra payment of {$3300.00} in addition to the payment of {$3300.00} on XX/XX/XXXX. The XXXX payments far exceeded the payoff amount, and over drafted my checking account. Mazda told me to dispute the charge of {$3300.00}, since it was too late to reverse. I was able to get the {$3300.00} refunded, and Mazda rightfully kept the {$3300.00}. Now however, all the payments I made after XX/XX/XXXX have been lost and now I owe {$6800.00}. The loan agreement was {$36000.00} financed for 36 months at 2.49 %. The total finance cost was {$38000.00}. The first loan payment was on XX/XX/XXXX. I have so far paid {$38000.00}. Mazda lost payments totaling {$4400.00} and is adding {$6800.00} to my loan balance. This adds up to paying {$11000.00} to pay off the {$4400.00} balance as quoted on the XXXX billing statement, if I pay the {$6800.00}. This is a serious error at best, and fraud at worst. 

I have included Mazda Billing statements ( XXXX and XXXX ), Mazda payment and transaction history, loan terms, and XXXX copies of my bank transactions, ( XXXX with all my transactions after XX/XX/XXXX and XXXX with only XXXX transactions ). I have highlighted the important numbers and transactions. Thanks for your help with this. I expected better from a large lender like Mazda Finance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. XXXX XXXX XXXX # XXXX Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
I was contacted by Recovery Solutions Group , LLC regarding an alleged debt that I do not believe is mine. Specifically, the debt is said to be owed by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. However, I want to make it clear that I do not know XXXX XXXX XXXX XXXX XXXX, and I have no relationship with this company or the individuals mentioned. I have never had any dealings or business with any of them, and I do not believe that I am responsible for this debt. 

Despite my attempts to request verification of the debt, Recovery Solutions Group , LLC has failed to provide sufficient documentation to support their claim that I am responsible for this debt. 

Specifically, I have requested the following information ( as required by the Fair Debt Collection Practices Act, or FDCPA ) : Proof that I am legally responsible for the debt. 

Documentation showing the original creditor and the amount owed. 

Any signed agreement or contract linking me to this debt. 

Despite my dispute and request for verification, Recovery Solutions Group , LLC has continued to contact me and has failed to provide the required documentation. I also believe they may have reported this debt to credit bureaus without proper validation. 

This situation is causing me significant distress, and I believe the actions taken by Recovery Solutions Group , LLC are in violation of my rights under the FDCPA and potentially other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I graduated XXXX school on XXXX and made a few payments when the original loan company was XXXX as time past and life and employment issues accured couldn't make payments.I seen they came out with a student loan forgiveness but wasn't successful or knowledgeable on how to get my loans forgiven for the amounts of my both loans which one is {$4300.00} and the other one is $ XXXX need to get my student loans forgiven/removed from my credit.

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 — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Placed for collection XXXX  Have reached out to company several times but it was sold to a debt buyer. 

They have none of my accurate information and need this removed from my credit report. 

There is no signature of mine or consent of this debt.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I hope you know that I take my credit seriously and Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious. Hope you can address this soon to prevent further damage, please.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows over XXXX credit inquiries that I did not authorize. Please provide proof of my authorization or remove off my file

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: KS

Complaint narrative:
My student loan balance increased somewhere between $ XXXX {$20000.00} during a 0 % interest forbearance period. On XXXX XXXX, my loan balance was {$92000.00} - I continued making payments and my balance was as low as around {$80000.00}. Then during XXXX XXXX ( still during forbearance ), my loan balance increased to over {$99000.00}. I emailed and was told it was because I missed a payment, which was not true. Not only was this during administrative forbearance and a period of 0 % interest ( meaning no payments were required ), I was making payment well exceeding my minimum payment. I have payment history proof that I have never missed a payment that I will attach, and I also have proof of this substantial fee was unfairly added to my balance. I have called and emailed to follow up multiple times, with customer service saying your account is still under review.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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, XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I get call everyday even if I block the number. I asked to stop and they charge numbers and call again.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Final Demand Letter ( Intent to Sue ) Final Demand to Remove Inaccurate Information Intent to Sue I am writing to formally demand that TransUnion immediately remove inaccurate and misleading information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). Despite multiple disputes filed with your agency, the inaccurate information remains on my report, violating my rights under federal law. 
The disputed information includes, but is not limited to : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Under the FCRA, TransUnion is legally obligated to conduct a reasonable investigation and correct any inaccuracies within 30 days of receiving a dispute. However, despite multiple rounds of disputes and sufficient evidence proving the errors, TransUnion has failed to take appropriate corrective action. This constitutes willful and negligent noncompliance with 15 U.S.C. 1681n and 1681o, which entitles me to statutory damages, actual damages, punitive damages, and attorneys fees if legal action is pursued.

Final Demand : I am hereby demanding that TransUnion : Immediately remove all inaccurate and disputed information from my credit report and provide me with a corrected copy within 15 days of receipt. 

Provide a detailed explanation of the actions taken to correct these inaccuracies or a valid reason for continued reporting if you believe the information is accurate. 
If TransUnion fails to comply within 15 days, I will have no choice but to take legal action against your company. I am prepared to file a lawsuit in small claims court or federal court for violations of the FCRA, seeking damages, legal costs, and any other relief the court deems appropriate. Furthermore I will file complaint a with my State Attorney General 's Office regarding your failure to comply with federal consumer protection laws.

This letter serves as my final attempt to resolve this matter amicably. Please consider this your official notice of intent to sue if immediate corrective action is not taken.

I expect a written response confirming compliance within 15 days of receipt of this letter

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 fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone used my social security number to get an auto loan from Capital One

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: U.S. BANCORP
State: TX

Complaint narrative:
I completely pay off my balance with my U.S. Bank credit card and its also a secure credit card so they have {$1000.00} of my money in a savings account. Whenever I completely pay off the balance of my secured credit card account they placed a systematic hold on it for eight days even after I explained to them that the funds has fully cleared my payment account with no issues. I spoke to multiple supervisors and they told me that theyre unable to release the hold on my account even after I explained to them that the payment has cleared my account and that this is creating unnecessary financial hardship for me because I need to pay my bills with this card. They said that they had a new protocol where they can no longer remove holds on any of the accounts. This is unfair and ethical to us consumers because we do our very best to pay them and everythings cleared and they still dont help us.

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