vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
I receive my tax refund check from IRS finally on Monday XX/XX/year>, so I went to my US Bank XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Wisconsin next day on Tuesday XX/XX/year>, to deposited my check and make a transaction. I wanted to get a cashier check for XXXX XXXX because I'm buying a new truck and I wanted to deposit the rest of it. My tax refund check had my correct address on that I have been living for over XXXX years. I have been a member of US Bank for over a year and I go to this branch a lot. This is a legitimate check and it clear electronically when deposited immediately. I was told by the banker that they needed to hold my check to make sure there is no fraud and she would work on clearing it for the next day. I have XXXX accounts with US Bank, so I just said put in all in XXXX of my accounts. She put it all in my newest account. I receive direct deposited from my employer in my account every XXXX weeks and I have been receiving other direct deposited since I open an account with US Bank. 
I was contacted by US Bank that because my tax refund check was deposited in a recent account that they had to hold the whole amount of {$16000.00} for XXXX days and that she missed the window of switching it into XXXX of my other accounts so I can receive it sooner. 
I was notified by US Bank to emailed verification of proof with my tax refund check from IRS, which I snapshot and it emailed the verification to them. 
I called US Bank customer service about my concerns in this matter, once the customer service gathering my information, he basically ridicule me and said I have to wait XXXX days to receive my funds. 
I ended up leaving my job early to go to the US Bank branch on XXXX XXXX XXXX. I spoke with the branch manager for XXXX minutes. She questioned me about a lot stuff and said, " we're trying our best. '' This is my worst experience and the second time they held my check for no reason. 
I feel discrimination!

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-23 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX * * * * Balance : {$29000.00} - tied up XXXX XXXX XXXX * * * * Balance : {$5200.00} - tied up XXXX XXXX XXXX * * * * Balance : {$29000.00} - tied up XXXX XXXX XXXX * * * * Balance : {$5200.00} - tied up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate information regarding my XXXX Bank account ( # XXXX ). While XXXX accurately reports this account as closed with a {$0.00} balance as of XX/XX/year>, Experian continues to list the account as open and current. This discrepancy is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of all information they report. 

This false reporting is misleading, harmful, and has a negative impact on my credit profile and financial opportunities. Despite my efforts to resolve this matter with Experian, the incorrect information remains on my credit report.

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 2025-04-23 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 am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX * * * * Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX * * * * Balance : {$94000.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX CARD XXXX * * * * Balance : {$8300.00} XXXX XXXX XXXXXXXX * * * * Balance : {$94000.00} XXXX XX/XX/year> ADVANTAGE PL XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX * * * * Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX * * * * Balance : {$94000.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX CARD XXXX * * * * Balance : {$8300.00} XXXX XXXX XXXXXXXX * * * * Balance : {$94000.00} XXXX XX/XX/year> ADVANTAGE PL XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please submit all documents that XXXX XXXX submitted to Remove the Fraud Including the Affidavit and Police Reports.. 
XXXX XXXX will like to have a copy to the CFPBand for his Personal Experian can not be reached for Service... and are inactive towards my Social Security number.. 
Please provide a history of XXXX XXXX account on Experien website....

A creditor is supposed to know a History so he can remove negative fraud accounts... 
Experian has not responded ... it is more than 60 days Please remove all negative items...

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 2025-04-23 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX * * * * Balance : {$29000.00} - tied up XXXX XXXX XXXX * * * * Balance : {$5200.00} - tied up XXXX XXXX XXXX * * * * Balance : {$29000.00} - tied up XXXX XXXX XXXX * * * * Balance : {$5200.00} - tied up

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted formal written requests to Calvary Port to investigate and validate a negative item reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from this creditor. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the XXXX findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, this creditor has not fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in {$16000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This loan was from ally financial when we purchased a vehicle that last payment was made XX/XX/year>. There has not been a payment on this account since and it is now XXXX yrs ago since a payment has been made and it was paid off by insurance due to the car being a total loss in an accident, we also had XXXX XXXX on this vehicle which the remaining amount owed was paid by them. So why is it that they are saying we still owe them and the balance keeps increasing every month on mine and XXXX XXXX XXXX Credit report. When I call the company they say they can't find it and don't know what is going on. And when I dispute it in credit report the report comes back as everything is accurate and won't be taken off my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

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 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 2025-04-23 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted formal written request to Navy Federal Credit Union to investigate and validate a negative item reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from this creditor. In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 15 U.S. Code 1601 which outlines the XXXX findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. Despite clearly outlining the relevant statutes and submitting proper documentation, this creditor has not fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in {$47000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I am faced with a XX/XX/XXXX foreclosure sale date after continuously attempting to work with PHH Mortgage to achieve a loan modification. I was approved for a loan modification with PHH Mortgage in XXXX. I completed all trial payments and obtained the final modification paperwork. I completed and returned the final modification documents. However, after a few months of payments, PHH Mortgage informed that the final modification paperwork was incorrectly executed. I was then advised to reapply, and a modification would be granted based on the prior modification. However, upon reapplying, PHH Mortgage then stated that the note holder would not accept a new modification, although previously I was told that approval would be provided. I have continued to resubmit for modifications, only to be turned down and backed into a foreclosure sale date. I absolutely need the CFPB to intervene and suggest the cancellation of the sale date and the option to modify be explored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief