vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AK

Complaint narrative:
I have sent many correspondences, to the addresses provided on the billing statements by XXXX XXXX for the Surge card, to remove credit protection from my card and stop the monthly fees for that program. Surge card c/o XXXX XXXX has XXXX or refused to respond.

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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX AKA cash app send me an email stating that was going to close my account down because of gambling which is a unexpected move for where I have been with cash up for a couple years now okay so upon that cash app or block sent in XXXX XXXX forms stating that I was paid {$26000.00} for the year of 2023. But I never received the payment I never seen any money for that so when I brought it to their attention they want to act like they were clueless and then I didn't even know I had it if I wouldn't have tried to get my XXXX form from stripe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I am writing to formally demand the immediate removal of all hard inquiries appearing on my Equifax credit report that were not expressly authorized by me in writing or verbally. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have the right to request the blocking and permanent deletion of any information resulting from identity theft, fraud, or unauthorized use of my personal information. 

The following inquiries are disputed and must be deleted from my Equifax file unless Equifax can provide valid proof of my written authorization or a permissible purpose as defined under XXXX XXXX. XXXX : Company Name Date of Inquiry XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Apple Card ( issued by Goldman Sachs Bank USA XXXX continues to bill residual interest after account closure and refund of a credit balance. XXXX acknowledged the error but refused to correct it immediately. This appears to violate 12 CFR 1026.11 ( c ) of the Truth in Lending Act and constitutes an unfair billing practice. 

On XX/XX/year>, I closed this account and had a credit. A check of {$58.00} was mailed and cashed. No more use of the card was possible. It was closed. They continued to charge XXXX interest for the next XXXX months. They refused to throw it out. They refused to claim that interest charges would end even if we paid it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby file this complaint demanding enforcement action against the credit reporting agencies and the financial institutions listed below for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the XXXX  Act ( GLBA ), 15 U.S.C. 6801. 

I am formally exercising my XXXX  right to OPT OUT of any sharing, use, disclosure, or reporting of my nonpublic personal information to any third party without my explicit written consent. I take full ownership of the accounts listed below, but ownership does not waive my XXXX privacy rights. Despite valid documentation and repeated notices, these agencies and furnishers have continued to share my information unlawfully and have refused to block or correct inaccurate entries. 

My consumer report was accessed and used for impermissible purposes in violation of 15 U.S.C. 1681b, and these actions represent a clear breach of federal privacy protections. Their continued misconduct has caused ongoing harm to my financial standing and reputation. 

I demand immediate corrective action by the CFPB and place all parties on notice that I am prepared to pursue full litigation and damages if these violations continue. 

Accounts : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I made a cash deposit of {$1900.00} at the citi atm. The receipt showed available for immediate use. Shortly after I transferred {$1500.00} to my savings and made XXXX purchases. An hour later my account was blocked and I referred to the fraud department upon calling Citi bank. After reviewing my account they referred me to a deposit risk team who is closed for the day. 

Each time I have made a deposit, Citi bank has held it for an unjust period of time. This leads me to believe that there is misuse of funds and fraud happening internally at Citi bank. Please provide a prompt resolution and return my funds citibank

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Account Information Disputed : Creditor Name : Credit Acceptance Corporation Account Number : XXXX Reported Status : Repossession Specific Inaccuracies and Reasons for Dispute : The furnisher is reporting the following particular data points are inaccurate, inconsistent, or incomplete : Inaccurate Payment History ( Down Payment Exclusion ) : The report states Payment Received : {$0.00}. This is false. I made a down payment of {$15000.00} XX/XX/XXXX on this vehicle when the account was opened. The failure to report this substantial payment makes the entire trade line incomplete and misleading. 

Inconsistent and Inaccurate Dates : The account shows a Date Closed of XX/XX/XXXX but reports a Last Payment Made date of XX/XX/XXXX. This is logically impossible, as a payment can not be made months after the account was closed following a repossession. 

Inconsistent Future Date : The Date Updated field is reported as XX/XX/XXXX. As this date is in the future, it is indicative of a clear system error in the reporting data received from the furnisher. 

As a XXXX XXXX XXXX, you have a duty to ensure that all XXXX in my file is accurate. I request that you contact the furnisher ( Credit Acceptance Corporation ) to verify the accuracy of the dates and the completeness of the payment history, including the {$15000.00} down payment. 

If the furnisher can not verify these entries as 100 % accurate, they must be corrected or deleted from my credit file immediately. Please provide me with the results of your investigation within 30 days.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
Complaint Against : U.S. Bank Branch Location : XXXX XXXX, MN Date of Incident : XX/XX/year> Description of Complaint : On Tuesday, XX/XX/year>, I went to the U.S. Bank ATM located at the XXXX XXXX, MN branch to deposit {$270.00} into my checking account. During the transaction, the ATM froze, the screen went black, and then rebooted to an offline mode before completing the deposit.

I immediately went inside the bank and spoke with a banker. They went to check the ATM and informed me that {$24.00} of my deposit was jammed in the machine, and only {$27.00} was credited to my account. This means I am still missing {$240.00} of my deposit.

An ATM discrepancy report was filed that same day, and I was told that maintenance would need to inspect the machine to confirm the discrepancy. The banker informed me the process would take 15 business days. However, when I called U.S. Bank Customer Service, I was told no specific
timeframe could be given. Later, I spoke with the Fraud Department, who told me it could take up to 10 days for resolution.

This delay is unacceptable and has caused financial hardship. The funds were intended to pay a bill due on XX/XX/XXXX, and I am now facing potential late fees and financial consequences through no fault of my own.

I feel that U.S. Bank has handled this matter poorly and that I am being unfairly penalized for a technical failure with their ATM. I am requesting that the missing {$240.00} be immediately credited to my account and that the bank provide written confirmation of the resolution.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate information reported by Experian and the inadequate investigation they conducted. 
Chronology and Key Facts : 1. Original Creditor : I never had a mortgage account or service relationship directly with XXXX Mortgage XXXX. My original account was with XXXX XXXX. 
2. Inaccurate Reporting : The account was supposedly sold or transferred to collections and now appears on my credit report reported by XXXX under the status of " Charged off. '' XXXX. Failure to Verify : I disputed this entry with Experian on XX/XX/year> arguing that the information is inaccurate and the name of the creditor/servicer is incorrect, as I had no direct contractual relationship with XXXX. 
4. Irregular Investigation : Experian closed the investigation and notified me of its conclusion on XX/XX/year>. It is crucial to note that this investigation was completed in a timeframe of only 3 days, which is an unreasonably short period. Such a brief duration demonstrates that Experian failed to conduct the " reasonable investigation '' required under the Fair Credit Reporting Act ( FCRA ) to verify the source and accuracy of the debt, particularly the transition from XXXX XXXX to XXXX. 
5. Unsatisfactory Outcome : Experian 's conclusion was only that the information was " updated, '' which allows the inaccuracy to persist on my report. 
Violation and Desired Resolution : Experian violated its obligation under the FCRA to conduct a reasonable investigation of the reported inaccuracy. The information is flawed in both the identity of the reporter XXXX XXXX as a " Charged off '' ) and the veracity of the debt. 
I request the CFPB to order Experian to completely delete this Shellpoint entry from my credit report, as it does not represent an account I held directly with them, and the investigation conducted was superficial and insufficient. 
This text clearly states the core issues : the incorrect creditor/servicer identity and the inadequate XXXX investigation.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Product : Credit card or prepaid card Company : Capital One Issue : Identity theft / fraud Complaint Statement : I am a victim of identity theft. A Capital One account was fraudulently opened in my name without my authorization. I did not apply for this account, use it, or benefit from it. I reported that this account is fraudulent, yet it has not been closed and charges have not been removed. Additionally, over {$4000.00} was stolen from my XXXX XXXX bank account as part of the same identity theft incident. I am requesting immediate closure of the fraudulent Capital One account, removal of all charges, and correction of my credit report to reflect that I am not responsible for this account. Also refund of all my money that was stolen from my account by Capital One and the culprit that used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have sent several notices of error after the servicing bank, Mr. Cooper, fails to communicate correct information on what is outstanding for a loan modification application. Then, in the middle of my loan modification application, Mr. Cooper scheduled a sheriff 's sale ( twice this year ). It is important to note that the borrower can not apply for other resolutions ( deed in lieu or short sale ), while the application for a loan modification is pending. This, if the loan modification application is turned down, there is " not enough time '' to open an application for a deed in lieu or short sale because they themselves have asked the sheriff to list the property for sheriff 's sale. You should also know that Mr. Cooper cancelled the last scheduled sheriff 's sale when it suited them, to apply for a new writ. Regrettably, they are outright lying about their failure to respond correctly, their " inability '' to control the sheriff 's sale dates ( they absolutely tell the sheriff when, where and how to sell the property ) and have refused to provide the information necessary to complete the loan modification ( their operator has no idea what is outstanding when you call, and the portal lists documents that do not exist ). They are also lying about not receiving payments. I have had previous modifications and have made payments under those modifications, then the loan changes hands and I have to produce recorded copies of modification agreements after they refuse to continue to accept payments under the modification agreements. They are sending the same response to my notices of error within 24 to 48 hours and it is the same letter over and over, thus evidencing no independent investigation. It is outrageously violative of several federal and state foreclosure laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
My employer ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) sent my student loan repayment ( {$8300.00} ) to the wrong address in XX/XX/2025, which happened to be Aidvantage 's XXXX XXXX XXXX Though the check was addressed to my vendor, XXXX, with my account number, Aidvantage deposited the check. Via a previous CFPB complaint response they claimed the money was refunded in XX/XX/2025 and that I could call their customer service number or email them for further info. I can not email them as the only way to do so is logging in through an account, which I don't have and can not make ( I have tried ) as they are not my loan servicer. As of this complaint date, my payroll specialist, XXXX XXXX ( XXXX ) at XXXX XXXX XXXX ( XXXX ), tells me the money has not been returned to our accounts and that we need to the trace information to find out where it is. XXXX XXXX tells me that the XXXX has tried to contact Aidvantage about this matter and not received any response. 

When I call the Aidvantage customer service number I am given different answers every time. I have been told to write them a letter. I did in XXXX and never received a response. The case manager I was finally able to speak to, XXXX  XXXX, told me to call the US Department of Treasury, the number provided was the Treasury Offset Program for debts to the government, which didn't help. She told me Aidvantage 's processing department would call me this week ( XX/XX/XXXX or XXXX ), they never did. I have called about a dozen times and been denied information at every call. At this point, I feel that Aidvantage is giving me the run around and I question whether the money was ever refunded like they claim when they refuse to supply the trace information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I went for a walk at the park near my home and only had my debt card and ID in a cloth bag I carry water in, and my phone when I walk. I walked and a young man passed me on a scooter and then looked up at his phone. I saw him do this to others as well. I left the park, thought no more of it, and went to XXXX to get groceries. When I got home I always check my account to make sure I have the right amount. There were two unauthorized transactions from an XXXX XXXX Account with only the last 4 numbers of the XXXX number that created it I have never had an XXXX. I am XXXX. The payments were made using my name and debit card number. I couldn't believe it, I called Wells Fargo immediately and reported it. The young lady on the phone said it's a new scam, and they use a little machine they buy, and just like at the gas station, s they can get your card information. She adjusted the charges off and then I got a letter 2 weeks later saying the card was always in my possession, so they redebited the money out of my account, and I even filed a police report about this as well. The police say this is a new scam as well, calling it skimming or digital pickpocketing. 2 transactions, one for XXXX and XXXX for {$56.00}, both made through XXXX with the XXXX XXXX account. I need that money. I am a senior, and that is my medicine and grocery money. My daughter has XXXX  me some money until it's refunded, but after filing a XXXX  complaint, an executive from Wells Fargo contacted me and has not been helpful at all. I haven't heard from him at all. His name is XXXX XXXX from the XXXX XXXX XXXX XXXX. I have documents, and I am very upset. I need that money, and it was stolen from me. I have been with Wells Fargo for many years, and I do not understand why they refuse to refund my money.

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