vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
To : XXXX XXXX XXXX XXXX of the From : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/XXXX RE : Escalated Dispute of Unauthorized {$8000.00} Charge Credit Card Dear Office of the President / Legal Department, I am writing to formally escalate and reiterate my dispute regarding an unauthorized {$8000.00} charge to my credit card dated XX/XX/XXXX, for a transaction labeled XXXX XXXX. 



This charge was executed without my consent. I initially allowed a one-time use of my card in early XX/XX/XXXX for a proposed investment opportunity. That transaction failed, and I did not give permission for any additional or future use of my card. The same party processed the charge without notification or consent on XX/XX/XXXX. 



I was not aware this transaction succeeded until I discovered related documentation on XX/XX/XXXX. Upon review, the promotional materials and contract were found to contain multiple misleading claims, omissions, and deceptive statements, making the entire transaction fraudulent in nature. 



I previously filed a dispute, but your team refused to reverse the charge. This response is unacceptable, especially considering : The charge was not authorized beyond the original failed attempt. 

The transaction is based on false and misleading information. 

I have experienced financial hardship and emotional distress due to the unauthorized charge and the abrupt cancellation of my account. 



This matter has been reported to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney Generals Office I am now preparing to pursue legal action to recover : The full {$8000.00} charged, Any resulting financial damages, and Pain and suffering from this ordeal. 



Please consider this my final request for resolution before further legal action begins. I am requesting : XXXX. A full reversal of the {$8000.00} charge in payment by check made to XXXX XXXX XXXX. A correction to any negative account standing, and XXXX. A full investigation into the merchant and transaction in question. 



Attached : A full timeline of events, Copies of misleading investment material, and Proof of when the documentation was discovered. 



I expect a written response within 10 business days of receipt. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing this complaint against Barclays regarding an unfair interest charge of {$350.00}, which was posted to my account on XX/XX/year>, despite my account being effectively paid off before the due date. 

Summary of Events : On XX/XX/year>, I received a refund of {$4900.00} from a merchant. 
On XX/XX/year>, I received an additional refund of {$10000.00} from the merchant. 

My credit card payment due date was XX/XX/year>. By that date, these refunds had significantly reduced my balance. 

When I attempted to make a payment on XXXX XXXX, I received the following system notification, preventing me from making any payment : " The sum of your scheduled payments can not exceed your current balance. The maximum payment you can make on your selected payment date is {$0.00}. To modify or cancel scheduled payments, visit Payment activity. '' Despite this, on XX/XX/year>, I was charged an interest fee of {$350.00}. 

Why This is Unfair : The refunds were processed before my payment due date, which means my balance was effectively resolved before interest should have been assessed. 

Barclays ' own system prevented me from making a payment, indicating that my balance was already satisfied. 

Barclays still applied interest despite my balance being covered, which does not align with fair or reasonable banking practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
My child and I both recived a text about an attempt to debit money out of our accounts today ( XXXX ) by a bank we do not have any accounts with!!! 
They said they had a debit attempt of {$1300.00} out of my account and XXXX XXXXXXXX of his. The text ask us to go to a website to decline or cancel this attempted debit if we did not authorize it. Both text were identical accept the amount was different. 
The text claimed to be XXXX XXXXXXXX XXXX Which neither I or my child have an account at!!!! 


Here is a copy of the exact text I received : ... ..... 

XXXX XXXX XXXX : We noticed a debit attempt of {$1300.00} at XXXX on your card. If this isn't you, Visit XXXX XXXX XXXX  to cancel or decline. 

And here is the phone number that sent the texts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
Creditor XXXX XXXXXXXX XXXX XXXX  is reporting inaccurate information to the credit bureau. I requested information such as signatures and contract agreements nothing was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CO

Complaint narrative:
There is a child support enforcement for over XXXX on my credit report. The state know 's I am not behind I have sent that court order to all three credit reporting agencies. This has not been remover. If look at the motions filed by the state. The court order from 2017 shows I am not behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CO

Complaint narrative:
There is a child support enforcement for over XXXX on my credit report. The state know 's I am not behind I have sent that court order to all three credit reporting agencies. This has not been remover. If look at the motions filed by the state. The court order from 2017 shows I am not behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
Dear CFPB, I am filing this formal complaint against the following creditors and credit reporting agencies for reporting and allowing the dissemination of inaccurate and unverifiable late payment information on my credit reports : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies : TransUnion Experian Equifax The accounts reported by these creditors contain late payment notations that are inaccurate and unsubstantiated. I am requesting a full investigation and that the reporting be corrected to reflect PAANL ( Paid As Agreed, Never Late ) based on the following : 1. Timely Payments Made I submitted all payments on time, most of which were mailed. Under 15 U.S.C. 1666b, creditors must credit payments received by XXXX XXXX on the due date and must provide billing statements at least 21 days in advance of the due date. These obligations were not met.

2. No Statements or Late Notices Were Provided I never received any billing statements or written notification informing me that my payments were considered late. This lack of notice violates both common billing practices and my rights as a consumer, leaving me no opportunity to address or contest the alleged delinquencies.

3. FCRA Violations Inaccurate & Improper Reporting The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to credit reporting agencies be accurate, complete, and verifiable : 15 U.S.C. 1681 Section 602 states that the purpose of the FCRA is to ensure fair and accurate credit reporting, along with protection of consumer privacy.

15 U.S.C. 1681 Section 604 ( a ) outlines the permissible purposes for accessing and using consumer credit information.

TransUnion, Experian, and Equifax have failed to uphold these standards by accepting and reporting inaccurate late payment data from the above-named creditors without proper verification or validation.

Requested Resolution I am not requesting deletion of these accounts. Instead, I am requesting that each of the accounts in question be updated to reflect PAANL Paid As Agreed, Never Late. If these creditors and credit bureaus can not provide full, verified evidence of a legitimate late payment and proper notice, they are required under federal law to correct the inaccurate information.

I respectfully ask the CFPB to investigate this matter and take appropriate steps to ensure compliance with the FCRA and other relevant statutes. Please confirm receipt of this complaint and inform me of the results of your investigation.

Thank you for your time and support in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I'm attempting to removed invalid information from my chex systems report. This information in invalid and tied to accounts I have reported as not mine. They claim the account or accounts a verified but have not given their method of validation, considering these accounts are not mine. According to their own information on file, including address and email, these accounts are not reporting complete, fair or accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Today, XX/XX/XXXX I used my Citi Double Cash Back credit card at XXXX to make a purchase. An on screen messaged popped up asking me if I want to redeem points for a bill reduction at the rate of XXXX points for {$20.00} off. Thinking those were XXXX points I had accumulated I said yes only after to find out that those were Citi Thank You reward points. I tried undoing the transaction immediately with Citi but the representative told me there is nothing they can do since I was signed up to use rewards with participating merchants. 

I have never signed up for such program. Moreover the program offers a redemption rate far less than the rate of {$0.00} per point one can get for statement credit. I believe this is a predatory program aimed at taking advantage of customers who do not pay close attention when checking out at a store. The bank knows that this redemption rate is very disadvantageous to customers and this is why it enrolls customers into it without their knowledge hoping to take advantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am writing to formally bring to your attention my ongoing difficulties in obtaining assistance from Citizens Bank regarding a loan modification for my mortgage, XXXX # XXXX. Despite my continued efforts and open communication with Citizens Bank, they have been reluctant to provide straightforward assistance and have remained vague about the options available to me to bring my loan current. 

My financial hardship began in XX/XX/XXXX when my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This life-altering event required her to resign from her job to focus on treatment and recovery, and I had to reduce my work hours to care for her. In XX/XX/XXXX, she underwent XXXX XXXX, which placed an immense financial burden on our family due to the loss of income and increased medical expenses. As a result, we fell behind on our mortgage payments. 

Although our financial situation has since improved, and we are both gainfully employed, we still require assistance in modifying our loan to catch up on our missed payments. I have been in constant communication with Citizens Bank since the beginning of this hardship, yet they have been unresponsive in providing clear guidance. I submitted my hardship packet on XX/XX/XXXX, and am still awaiting a response. 

To further illustrate the discrepancy, my first mortgage lender, XXXX XXXX, was accommodating and granted us a loan modification after a seamless process. We successfully completed the required three trial payments and were able to move forward with the modification. Unfortunately, Citizens Bank has not shown the same willingness to assist, despite my consistent efforts to work with them.

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Citizens Bank provides transparent and fair assistance in reviewing my modification request. My goal is to bring my loan current and retain my home, which is essential to my familys stability and well-being. 

Thank you for your time and consideration. I appreciate any assistance the CFPB can provide in ensuring a fair and timely resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the following account information on my credit report : Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Date Closed : XXXX Status : Derogatory Limit : {$400.00} Balance : {$0.00} Last Payment : XXXX Account Type : Credit Card This account is inaccurately reported as derogatory despite having a {$0.00} balance. An account with no outstanding balance should not negatively impact my credit report. Additionally, the Worst Status is listed as Unknown, which further demonstrates incomplete and inaccurate reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is both accurate and complete. I am requesting the following fair resolution : 1. Immediate Removal of the Derogatory Status : Since the account has a {$0.00} balance and was closed without any remaining debt, I request that the derogatory status be removed from my credit report.

2. Account Status Update : Correct the account to reflect an accurate status, such as Paid or Closed Paid in Full.

3. Provide an Explanation : If the derogatory status is deemed valid, I request a detailed explanation of why it remains on my credit report despite the {$0.00} balance.

4. Written Confirmation : Please provide written confirmation once the derogatory status is removed or any corrections are made, along with a copy of my updated credit report.

5. Ensure Compliance with the FCRA : Notify all relevant credit bureaus of the necessary corrections.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
The HR Department at my job gave a court order for a Garnishment to attachment of wages. I called them did ever receive no information for this debt. I moved from this location since 2021. My son still lives their. I come their every weekend to see them. No mail. I feel like this was not fair to me. To fight this bill.She told me it was 2 more collection she could not tell me the name of the Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
US Department of Education continues to report inaccurate information on my credit report. After being forgiven and removed off my report it returned back. I would like to have this debt removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX, Social Security number:XXXX Date of Birth : XXXX XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phoneline account opened at XXXX on XX/XX/year> under the account number XXXX with the balance of : {$2300.00}. These accounts have resulted in several fraudulent hard inquiries which were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXXXXXX INQUIRIES and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
My account has been paid in full. Prior to paying my account off in full the company promised to remove the account from my credit report if I paid in full. It has been more than 60 days and the account i still on my credit report. The status of the account has been updated to paid but it is still a collection account. The company agreed to remove it entirley. Attaching proof of their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I complained to Experian. They came back to me and said after contacting the card company that the card company certifies it is correct and accurate. They are obviously wrong. The report says I have a {$3500.00} line of credit. I have a balance of some amount and that I am making monthly payments. THAT IS WRONG!! I am not making payments and I have no idea who is. 
XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.XXXX Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2100.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment {$29.00} Credit Limit {$3500.00} Highest Balance {$2800.00} Terms -

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