vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I called company and asked to change my payment date. The rep said they couldn't do it but as long as I made payment after cycle ended I was fine. My cycle ends on XXXX so I make payments on the XXXX. I have been doing it for 6 months. Please note I have never missed 1 payment since I have card. Today I start receiving threatening letters saying my account is past due I better pay XXXX. Right now etc. More emails came. I called and the rep refused to let me speak said I was XXXX behind and I needed to pay up she was verbally abusive. I owe them nothing. I have perfect payment hx. They have ruined that on my credit report which fell in the XXXX because of them. It's there mistake. Can you help me please?

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 2025-03-05 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: MO

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XX/XX/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 I informed EQUIFAX Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MD

Complaint narrative:
I reached out to national recovery agency to verify a debt that showed up in collections on my credit report. The creditor stated the wrong original creditor, the wrong charge off date, the wrong date the account was opened and the wrong date the account was closed and the wrong date of last payment on the collections that was reported to my credit report. all of the information that they submitted knowingly false was so that they could continue to collect the debt that had passed the statute of limitations when I asked him to verify the debt and send me the information to verify the debt they hung up on me. 
By using the wrong name of the original creditor, it impacted my credit score twice for the same debt owed. The original debt was already hurting my credit score, but was past the statute of limitations to be placed in collections. They intentionally used the wrong original creditor to make it look like this was a new debt.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I went to open a bank account with Navy Federal, but I was denied. When I requested the reason why I was denied by the teller and told it was because I had an outstanding balance with Navy Federal. Navy Federal never notified me that they were going to report this information to any consumer reporting agency and the information they reported is not completely accurate per the FCRA. I am a single mother who needs my bank account to receive funds to take care of my family. The denial is hindering me from caring for my family. failure to remove this info will result in me seeking legal remedy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-05 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: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
Good Evening, I am writing to file a formal complaint regarding a delinquency claim on my credit report related to a loan originally obtained from Center State Bank in XX/XX/XXXX. The loan was under a five-year term with scheduled automatic payment drafts from my savings account. All payments from XX/XX/XXXX to XX/XX/XXXX were made promptly and diligently. 

After the final payment in XX/XX/XXXX, I believed the loan was fully settled. It was only later that I learned Center State Bank had merged with South State Bank in XXXX detail that was not communicated to me. This lack of communication led to complications in XX/XX/XXXX, when I received a call from XXXX XXXX XXXX at South State Bank regarding an outstanding payment. Unaware of the merger, I mistook the call for a scam and blocked the number. 

In late XXXX or early XX/XX/XXXX, I received another communication from XXXX XXXX about an outstanding balance. Concerned, I attempted to contact South State Bank but did not receive a response until XX/XX/XXXX. Upon finally speaking with the bank, I was informed that the issue stemmed from a policy requiring the final payment to be made in person, a requirement I was unaware of. 

After clarifying the situation, the bank promptly drafted my final payment over the phone in XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX, the Dispute Department Manager. XXXX confirmed the presence of an error on South State Banks part concerning the incorrect address listed in the system, which has resulted in my failure to receive any communication regarding the servicing of my loan by South State Bank. 
XXXX assured me during our conversation that my address had been updated in their system. He also promised to send a letter confirming that my account had been paid in full. Unfortunately, I have not yet received this letter, and XXXX has not responded to my subsequent calls and emails. 
This issue has consequently led to an erroneous delinquency report on my credit history, which resulted from the banks failure to inform me of critical policy following the merger with Center State Bank. I have always maintained a stellar credit record, and this oversight has unfairly impacted my credit score.

I hereby request the CFPB to intervene and assist in removing the erroneous delinquency from my credit report. Additionally, I ask for an official letter from South State Bank, confirming that the debt is paid in full and that my account is in good standing.

Thank you for your prompt attention to this matter. I look forward to a resolution that restores and reflects the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
It was about XXXX in the XXXX. I went to the US Bank ATM in XXXXXXXX XXXX. I needed to deposit {$800.00}. I had all XXXX dollar bills I put my money into the receptor. Some of the money went in two of the XXXX dollar bills got stuck at the top. I press cancel. And when the receptor opened back up, I saw the two of the XXXX dollar bills still dangling at the top and I was able to snatch out my other money. I immediately called U.S. Bank customer service to let them know what was going on. They stated to me that the actual bank is not in charge of the ATM. It was XXXX that was in charge of it. They will file a complaint and someone will get back to me. When I talk to someone on Saturday and they told me that the claim was denied. I wanted to speak to someone and I wanted to footage because everything that was going on, I know was recorded. They saw me snatching my money out they heard me saying that my money was stuck up there And now theyre saying that they are denying the claim. I do not have money to give away and I need my money back.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-05 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : XXXXCreditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXXXXXX XXXXAmount : XXXX XXXX XXXXDate of Account 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 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have a professional email types including letters from both myself and the company for further information. I was just hoping to send an email directly. 

Subject : Formal Complaint Against Sloan Servicing Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Sloan Servicing regarding their improper handling of my federal student loan account. As detailed in the attached letter that I have sent to Sloan Servicing, they have failed to provide legally required notices, engaged in negligent communication, and improperly reported my account as delinquent, resulting in unjust harm to my credit and financial stability. 
Despite their claims that they sent delinquency notices, I never received any such communications via email, phone, or mail. Additionally, Sloan Servicing has admitted in writing ( see attached ) to providing incorrect and incomplete information, demonstrating their negligence and failure to act in good faith. Their actions constitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and CFPB regulations regarding student loan servicing practices. 
Summary of the Issues : Sloan Servicing failed to notify me of delinquency before reporting it to credit bureaus.They claim to have sent notices that I never received, despite having correct contact information on file. 

Their response letter XX/XX/scrub>XXXX  ( attached ) contains admissions of internal miscommunication and errors. 

As a result, my credit has been unfairly damaged, and I have suffered financial and emotional distress. 

I have already sent a formal dispute letter to Sloan Servicing demanding immediate corrective action. However, given their continued negligence and failure to act in good faith, I am seeking the CFPB 's intervention to ensure compliance with federal consumer protection laws. 

Given these violations, I respectfully request that the CFPB investigate Sloan Servicings handling of this matter and take appropriate action to prevent further harm to consumers. Additionally, I would like to request that the CFPB review this matter to prevent Sloan Servicing from further harming consumers. I am happy to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Account No : XXXX I am writing to formally request your assistance in resolving an issue with Citibank regarding the closure of my business account. 

I recently opened a business account with Citi and deposited a {$5000.00} check given to me by a family member. However, my family member mistakenly provided a check from their old XXXX  XXXX XXXX XXXX account instead of their active checking account. This was an honest mistake on their part, with no intent of fraud. Unfortunately, as a result of this returned check, Citi abruptly closed my account. 

I find this action by Citi to be extremely unfair. As the account holder, I had no fraudulent intent, and my family member is willing to provide any necessary documentation ( including their bank statements ) to confirm this was a simple mistake. I am also more than willing to cover the {$12.00} returned check fee. However, I do not believe this mistake warrants the closure of my account and a potential ban from Citis services.

I kindly request Citi to reconsider their decision and reinstate my account. I would greatly appreciate any assistance from the CFPB in resolving this matter fairly. Please let me know if you need any additional information. 

Thank you for your time and support.

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 2025-03-05 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: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please see attached letter from Citibank XX/XX/XXXX and my reply on XX/XX/XXXX. They only refunded part of money without offering explanation other than saying " rules ..... ''

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX, I applied for a new auto insurance policy with XXXX through their website. I was quoted a premium of {$96.00} for the new policy and authorized this amount to be charged to my Chase debit card. During the application process, there was a mention of a past due balance of {$360.00} from an older policy, but I was not given a clear option to pay or not pay this amount. There was no separate check box or prompt to accept or decline paying this past due balance.After completing the application, I received an email receipt confirming the payment of {$96.00} for the new policy, with no mention of the {$360.00}. Later that day, upon checking my Chase account, I discovered that XXXX had debited an additional {$360.00} from my account without my authorization.I immediately contacted XXXX to dispute this unauthorized charge. XXXX agreed to refund the {$96.00} upon canceling my policy but refused to refund the {$360.00}, claiming that I owed a previous balance.On the same day, I filed a chargeback request with Chase for the {$360.00} transaction, explaining that it was unauthorized. Chase initially provided a provisional credit, and I spoke with a claims representative to confirm that I never authorized the {$360.00} charge.On XX/XX/XXXX, I received notice that Chase had denied my claim, stating that XXXX provided documentation proving I consented to the {$360.00} charge. However, I have never seen or signed any document confirming my agreement to pay this amount.I believe that the {$360.00} transaction is unauthorized under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as I did not provide clear consent for this charge. Therefore, I am requesting that Chase reopen or reverse the denial of my claim and restore the disputed amount to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Your company has placed multiple inquiries on my credit report without my authorization.

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 2025-03-05 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: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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