vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I went to US Bank to renew a CD. I expected to see a renewed balance of XXXX, calculate as follows : {$230000.00} x 4 % APY x XXXX XXXX = XXXX The bank renewed my CD at {$230000.00}, yielding a shortage of {$73.00}. 

I then checked my other 2 not-yet-maturing CDs. I expected to see : ( XXXX ) {$520000.00}, with interest calculated as follows : {$500000.00} x 4.5 % APY x XXXX / XXXX = XXXX ( XXXX ) {$170000.00}, with interest calculated as follows : {$170000.00} x 4.21 % APY x XXXX XXXX = XXXX The bank showed {$520000.00} and {$170000.00}. That means 2 more shortages of {$140.00} and {$58.00}. The 3 shortages totaled {$270.00}. 

I talked to XXXX XXXX about these discrepancies. She said she will get back to me with an answer in 2 days. After 2 weeks of phone tags and an in-person visit on XX/XX/XXXX, she gave me a " Certificate of Deposit Agreement & Receipt Truth-in-Savings Disclosure '', which does not show the more complicated daily compounding formula, but does state clearly the penalties for early withdrawal. 

Since she doesn't seem to have a finance background, I thought this matter would be best dealt with by someone who is familiar with interest calculation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting a charged-off XXXX XXXX account that has been marked as Transferred or Sold, yet no buyer is listed and the account remains attributed to XXXX XXXX . The balance is listed as {$0.00}, confirming the account was closed and sold. However, Equifax continues to report this as an active derogatory tradeline with no payment history, no charge-off validation, and no verified transferee. 

I requested full documentation, including payment logs, charge-off records, and proof that XXXX XXXX has legal standing to report on an account they no longer own. No documentation has been provided. This account is therefore incomplete, misleading, and unverifiable a direct violation of FCRA 1681e ( b ).

I am demanding full deletion, not correction. If Equifax can not validate this account in full, its continued reporting constitutes willful noncompliance and will be escalated to the FTC, State Attorney General, and civil litigation under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My bank makes my electronic payments to Best Buy, my bank paid Best Buy {$210.00} XXXX XX/XX/2024. Best Buy will not credit me for it. Ive sent statements from my bank and other information they wanted.They refused my credit of payment.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I would like to formally dispute the reporting of eight separate delinquent accounts on my credit report. I understand that I missed payments ; however, I had applied for loan forgiveness through the Public Loan Forgiveness Program ( PLFP ) in 2022 and have not received any billing statements or payment requests since that time. I was under the impression that my loans were in forbearance or being processed under PLFP.

To my surprise, eight separate delinquent accounts have been reported, causing my credit score to drop from the low XXXX to XXXX. This has had a devastating impact on my ability to secure housing and financing for my family and business. I respectfully request that this reporting be reconsidered, and if possible, consolidated or adjusted to reflect one delinquent account, as I have made payments to one financial institution, not eight separate lenders.

Furthermore, this situation has created serious personal and professional setbacks, including denial of GI Bill benefits due to time since separation, and financial hardship as I attempt to establish a home and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 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
Consumer complaint received 2025-04-11 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: FL

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 non-monetary relief
Consumer complaint received 2025-04-11 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MA

Complaint narrative:
I paid for a ticket to see a celebrity in person. She was supposed to host a game night. The event was from XXXX to XXXX. The celebrity didnt show up until XXXX and she left at XXXX that was not what the promotion of the event was. She was supposed to be there the whole time she did not interact with the crowd. We basically paid to listen to music.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Reported on credit report Calvalry Portfolio Serv reporting a collection for the amount of {$690.00}. Suggesting account opened on XX/XX/year>. This is inaccurate, and an unverified account. I have attempted to dispute the collection directly with the servicer by requesting in writing a copy of the verifiable proof that they have on file regarding this debt belonging to me. This is an unverifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
XXXX XXXX XXXX is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.Enclosed is the email from XXXX XXXX of the current balance. Settlement amount of {$7400.00} outstanding balance {$5700.00} creditor is receiving {$320.00} each month starting XX/XX/year> see attachment with outstanding balance.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed disputes on experian and when it was updated I have 9 accounts with inaccurate information I filed another dispute and have not seen the results these accounts are hurting my credit score really bad and this should have been fixed.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed disputes on experian and when it was updated I have 9 accounts with inaccurate information I filed another dispute and have not seen the results these accounts are hurting my credit score really bad and this should have been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

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 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 2025-04-11 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 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: CT

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 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 2025-04-11 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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:
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 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 2025-04-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Please accept this COMPLAINT concerning Citibank and its failure to clear fraudulent charges made on my Citibank credit card account. The fraudulent charges total {$7100.00}, incurred on XX/XX/XXXX by a company called XXXX XXXX in XXXX. 

I became aware of these charges on XX/XX/XXXX, when I received a call from XXXX XXXX at Citibank stating suspicious activity was noticed on my card. This was labeled as the date fraud was reported. I informed XXXX XXXX that neither me nor my husband made these charges and they were in fact fraudulent. During this conversation, XXXX XXXX advised me to submit a police report in support of my claim- especially since she stated it appeared to be fraudulent on her end given the recent trends in XXXX at the time. In accordance with her instructions, my husband filed a complaint with the local Colombian authorities, and the police report was subsequently submitted to Citibank on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I followed up with multiple phone calls concerning the status of my case on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Finally, I emailed the Citibank Executive Response Team on XX/XX/XXXX. 

At some point, it appears that this " suspicious activity '' was redesignated as a disputed charge. At no point, however, was I told what investigation was conducted to verify the fraudulent charges, and dismiss them from my account. Citibank never informed me whether there was a chargeback to the merchant and never provided me with the representation documents provided by the merchant to support the charge. In fact, the only meaningful information concerning the investigation I was told was that the police report we filed was neither reviewed nor considered. 

I have since received notices stating that this dispute -- flagged immediately as suspicious activity and immediately confirmed as such within 24 hours -- was resolved against me. I was never given the opportunity to speak with a supervisor who could explain this determination and how it was reached. 

On XX/XX/XXXX, I spoke to another supervisor named " XXXX '' from the fraud department who again refused to explain anything further. Finally, I reached out to the Citibank Executive Unit on XX/XX/XXXX and received a response on XX/XX/XXXX. The response not only dismissed my request to review the case along with the certified, translated police report, but also threatened to report me for nonpayment of these known fraudulent activities on my card.

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 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A {$500.00} XXXX gift card was purchased on XXXX XXXX XX/XX/year>. 

Same day an email arrived announcing the gift card information was enclosed. 

No usable information was included on the email. 

Numerous phone calls and letters to resolve this have been ineffective. 

Latest letter from XXXX and one with my response are attached. 

Based on the response to date, the problem seems to be an internal one at XXXX and hopefully does not involve a bad actor at XXXX. The XXXX response to date has been to blame the customer which is frustrating especially when I hold proof in the form of a useless email from XXXX. A little deeper detective work at XXXX will likely resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to follow up on my previous disputes regarding an unauthorized hard inquiry that still appears on my Equifax credit report. Despite multiple requests, this inquiry has not been removed, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The specific inquiry in question is : Company : UPSTFINWSE Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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