vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XX/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 2025-03-07 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: 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 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 2025-03-07 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am filing a formal complaint regarding the mishandling of my student loan records by Aidvantage and the U.S. Department of Education. I recently became aware that my student loan data was accessed without my consent, which may constitute a serious violation of my consumer rights and FERPA regulations.

Complaint Details Loan Type : Direct Loans/ Parent PLUS Loans Loan Servicer : Aidvantage Date of Violation : XX/XX/XXXX Nature of Complaint : Unauthorized access to my student loan records and failure to respond to my requests for investigation and resolution. 
I request that the CFPB launch an immediate investigation into Aidvantage and the Department of Education regarding this matter and take appropriate enforcement action. 
Submitted a FERPA complaint on XX/XX/XXXX. 

Requested Resolution An investigation into unauthorized access to my student loan records.

Removal and deletion of all unauthorized loan records from my account.

Accountability measures for Aidvantage and the Department of Education to prevent future data violations.

I expect a written response regarding the resolution of this matter within 30 days. Please contact me at XXXX or XXXX for further communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Santander bank was notified when the charges were pending two fraudulent charges to my checking account. SANTANDER BANK HAS REFUSED TO REPORT THIS TO AUTHORITIES. I REPORTED IT SINCE THEY DID NOT DO THE XXXX POLICE BECAUSE THEFT FROM MY DAMAGED RECREATIONAL VEHICLE RESULTED IN THEFT BY EMPLOYEES OF THE TOWING COMPANY. THE POLICE OFFICER AND THE CHIEF OF POLICE ARE ONLY CONCERNED ABOUT A GENERATOR THAT WAS SOLD TO A PAWN SHOP NOT THIS COMPLETE LIST : MISSING PRESUMED STOLEN : 1 ). NEW JERSEY DRIVERS LICENSE #. XXXX XXXX XXXX XXXX ) XXXX PASSPORT # XXXX. ( expires XXXX XX/XX/XXXX ) 3 ). DEED TO PROPERTY ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX } XXXX XXXX, XXXX XXXX XXXX BIRTH CERTIFICATE ( ORIGINAL NOTARIZED of XXXX XXXX XXXX ) 5 ) HAND WRITTEN NOTEBOOK WITH CODES, USER NAMES, PASSWORDS ( most with missing parts, or descriptors only I would know, non-the-less it was taken from the wreckage at XXXX XXXX ) 6 ) {$400.00} GENERATOR STILL BOXED ADMITTEDLY STOLEN BY AN EMPLOYEE OF XXXX XXXX ) 7 ) 2 LARGE 28 '' BLACK SUITCASES 8 ) BOTH TEMPORARY LICENSE PLATES OF XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  9 ) possibly because of above or not 2 amounts of money attempted to be removed per banker by using ROUTING # and Acct # SANTANDER BANK. 
a ) {$320.00}. XXXX b ) {$49.00}. XXXX Santander Bank has been helpful in letting me access my funds 75 % of the time. but as an elderly person having episodes of fraud like this for the last 10 years as a police refuses to take reports, I am insisting that the bank report this to the authorities, including the FBI this is Elder crime through the Internet, reportable to IC3 of the FBI. I have been reporting this for the last 9 to 12 months and have not been contacted by the FBI. It's imperative that Santander bank also reports it. CFPB HAS TREMENDOUSLY HELPED WITH MY FRAUD COMPLAINTS BUT THE ROOT OF THE PROBLEM MUST BE REPORTED TO FBI, IC3, ELDER INTERNET CRIME, whatever the correct TERMINOLOGY... XXXX am a XXXX XXXX XXXX XXXX and POLICE DO NOT TAKE REPORTS, DO NOT DO THEIR JOBS, THE CFPB AND SANTANDER BANK NEED TO CONTACT FBI SINCE I AM XXXX AND HAVE LOST {>= $1,000,000}

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Wayfair and XXXX- they closed my account with them and turned off automatic payments- did not transfer my balance to another card. Made me miss 5 payments and I incurred XXXX dollars in late fees and only noticed because they put a ding on my credit score. I think theres a ton of other people out there like me who assumed they would have automatic payments coming out even though they expected you to pay the entire balance in XXXX. I even called Wayfair multiple times and they said my account balance was XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae Bank for the past 30 months has illegally withheld access to my funds on deposit with their bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, as they are hurting my ability to purchase a car or home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Had a Checking Account With Capital One. a 360 Checking Account. I Over Drafted. {$95.00}. So They Got They Money. But They Permanently Restricted Me From That Account. Because I Was Late. Paying The {$95.00}. Because I Lose My Job In XXXX That's Why I Was Late Paying The Overdraft.. So I Got a New Job. So My Paycheck. Went To This Account. On XXXX. Now They Telling Me I Have To Wait 10. Business Day. To Get My Paycheck. My Payroll Is XXXX. That's What's Left From My Paycheck. That's What They Have. Over a Thousand Dollars Of My Paycheck. I Can't Get. I Need My Check To Pay My Rent.. Please Help. These Banks Are So Bad Now.. And They Closed The Account. But I Can't Get My Money. Until 10 Business Day.OMG.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Old addresses are still on my credit report at all three bureaus and an collection account that is on my report that is unauthorized and I have no bearings and no signed paperwork with them. Do not have permission to be put on my report, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
In XXXX of 2022 I received a deposit in the amount of XXXX. My account was blocked, then shortly after they closed the account. I was never given an adequate reason as to why nor was I returned my 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 2025-03-07 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Was told gift card was put on hold called multiple times and each time they told me it would be fixed in 48 hours but it is still on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a savings account. I deposited {$500.00} cash to my checking then transferred over to savings. Thought twice about it and was going to send t another account so I transferred it back to checking and then again to savings changing my mind. The next day, I was unable to access my account online. I called the bank and was interrogated by a XXXX who ultimately that my account was restricted for 24 hours pending an investigation. On Monday, XX/XX/XXXX, I was able to regain access to the online account and saw that I had {$3500.00}. {$3000.00} was sent via XXXX  by my employer as this occurs every XXXX and the XXXX of the month and the {$500.00} deposit, plus {$10.00} that was already in the account. I spent hours on hold for Bank of America only to be told that my account would be closed and I would just need to wait for them to send me my funding. I had bills that were in process, however bank of america returned these bills due to insufficient funds, however the account had {$3500.00}. I then went to the local branch. The banker called the fraud department and I was again told I just need to wait and that bank of america decided to end the relationship. I called the bank today and was advised that the bank account is closed, the funds are still in the account, however the account is restricted and won't be released until XX/XX/XXXX. I am very confused why my account has been closed for fraud whereas there was no fraud committed. The only clue I was given was that there were over 20 transfers back and forth between my checking and savings account. Which still doesn't make any sense because if I did complete this, how is it fraudulent to transfer my own funds?

Issues is, this is the only account I have been using so the bank has all of my money. Second they are returning my bill payments and I am incurring additional fees. 
Lastly, how is it okay for them to hold my funds until the middle of XXXX without providing any reasons?

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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