vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
IV. Fair Lending Fair Lending Laws and Regulations. 

Types of Lending Discrimination : Disparate Treatment : Disparate Impact American Express applies a racially or otherwise neutral policyor practice equally to all credit applicants, but the policy or practice disproportionately excludes or burdens certainpersons on a prohibited basis, the policy or practice is described as having a disparate impact.

The Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.

MEMORANDUM OF LAW* TO : Lending Team, American Express XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Trustee XXXX XXXX XX/XX/XXXX SUBJECT : Denial of XXXX XXXX XXXX XXXX CREDIT CARD APPLICATION REFERENCE NUMBER : XXXX XXXX XXXX : Pursuant to 15 U.S.C. 1602, as the original creditor, I am entitled to credit. ( See XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX  XX/XX/XXXX ) ). The credit transaction at issue was predicated on 15 U.S.C. 1611 and 12 U.S.C.A. 1411. ( See In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 

VIOLATION OF LAW : The denial of my credit application constitutes fraud and is unlawful under the Truth in Lending Act ( TILA ), 15 U.S.C. 1602 ( g ) and 15 U.S.C. 1602 ( l ), as well as 12 CFR 1002. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ). *SECURITIES FRAUD AND EQUAL OPPORTUNITY ACT VIOLATION : By withholding access to my securities, has committed securities fraud and violated the Equal Opportunity Act and Consumer Credit Protection Act. ( See 15 U.S.C. 1691 ( a ) ; 12 CFR 202.2 ; and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ). *REQUEST FOR RELIEF : * I demand that American Express : 1. Reconsider my credit application and approve it forthwith. 2. Provide me with access to my securities. 3. Cease and desist from engaging in any further unlawful practices. *CONCLUSION : The denial of my credit application and withholding of access to my securities are clear violations of federal law. I expect a prompt response and resolution to this matter. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX I made a {$30.00} purchase on my card. On the XXXX I paid off this purchase. This credit card has charged me interest for this transaction of {$2.00}. This is in contrast to their terms and conditions. I believe this fee was added to my account for the reason of trying to obtain late fees from me. This practice is also highly illegal.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Pay off account appear in reports closed over 10 years and up to date appear closed. I dispute it all three credit reports and they never replay to dispute for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Pay off account appear in reports closed over 10 years and up to date appear closed. I dispute it all three credit reports and they never replay to dispute for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
AFTER SUFFERING WITH THE TRAUMA XXXX XXXX  IVE BEEN GOING THROUGH HAS CAUSED ME. INCUDING THE SEVERE XXXX AND ONGOING XXXX, I AM NOW SEEKING SOLUTIONS TO GET MY LIFE BACK IN ORDER AFTER DEALING WITH BEING A VICTIM OF XXXX XXXX ( 605C )

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CrossCheck, Inc.
State: NY

Complaint narrative:
I am filing a complaint against CrossCheck for failing to provide me with a copy of my credit report, despite my repeated requests, in violation of Section 605C of the Fair Credit Reporting Act ( FCRA ).

As a qualified victim of human trafficking, I have the right under FCRA Section 605C to request the removal of adverse items related to trafficking and to receive a copy of my credit report to review such information. I originally submitted my request through CrossChecks online system as per their instructions, providing all the required identification documents, including : State-issued ID Social Security card Birth certificate Official OTDA confirmation trafficking letter Despite this, CrossCheck has refused to provide my credit report, claiming they did not receive my documents. In response, I re-sent all necessary documentation, yet they are now requiring me to submit everything by mail, creating unnecessary delays and an undue burden. This appears to be an intentional stall tactic to prevent me from accessing my legally entitled credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern I am writing to you regarding the debt referenced by account number XXXX. I sent you a formal request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which required you to respond within 30 days from the date of my original request. I have yet to receive the requested documentation. 

As you have failed to provide the requested validation of this debt within the statutory XXXX period, I hereby demand that this account be immediately deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Your failure to respond in a timely manner violates my rights under the FDCPA, and as such, the debt is now legally considered invalid. 

Please be advised that if this matter is not resolved within XXXX XXXX. I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal counsel to address this issue further. 

I expect this matter to be resolved immediately and confirm in writing that this account has been deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: IL

Complaint narrative:
I initially submitted a complaint to the CFPB on XXXX XX/XX/XXXX regarding XXXX Progress Credit Card and their failure to apply Servicemembers Civil Relief Act ( SCRA ) protections to my account. In response, the company claimed they required a copy of my military orders to be sent via mail. 

Accordingly, I mailed my orders via XXXX on XXXX XX/XX/XXXX, with an expected delivery date of XXXX XX/XX/XXXX. The tracking number for this mailing was XXXX XXXX XXXX XXXX XXXX XXXX, and I still retain the XXXX receipt and tracking information as proof of the requested delivery. However, due to XXXX tracking system limitations, delivery confirmation is no longer available online given the time that has passed. 
The company previously stated that upon receipt of my mailed orders, my account would be adjusted. To date, that has not occurred. To eliminate any further delays or claims of non-receipt, I am formally requesting that the company accept a copy of my orders submitted directly through this CFPB complaint process to ensure secure receipt and proper documentation. 

I am requesting that my account be corrected to reflect XXXX protections effective from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. Additionally, should I continue in an XXXX XXXX status beyond that period, I would like to know how to properly submit future orders without risk of further mail-related issues or delays in processing. 

Thank you for your assistance in ensuring that servicemember protections are upheld and that this matter is appropriately resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 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: PayTomorrow, LLC
State: MD

Complaint narrative:
I filed a complaint in XX/XX/year> that Paytomorrow was reporting in all agencies the same debt with a balance as the debt collector XXXX XXXX. They responded that they would remove their reporting because they have sold the debt to XXXX XXXX. Paytomorrow has not removed any reporting on my credit reports as promised in their response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Changes and Actions on Barclays Account To the Consumer Financial Protection Bureau : I am filing this complaint regarding unauthorized changes and detrimental actions taken on my Barclays credit card account. 
Chronology of Events : * Prior to XX/XX/XXXX : I regularly monitored my Barclays account online to confirm timely payments, which were set up for automatic payment ( autopay ). 
* XX/XX/XXXX : Following an email regarding timely payments, I discovered that my autopay feature, which had been active, was deactivated without my authorization since XX/XX/year>. This resulted in a {$150.00} delinquency. 
* I immediately contacted Barclays customer service. I made the delinquent payment and inquired about the unauthorized autopay deactivation, as it negatively impacted my credit and led to account closure. I reinstated autopay during this call, though the reason for the deactivation was not provided. 
* XX/XX/XXXX : I received a notification of a {$230.00} automatic payment, which I did not authorize. Upon review, my account showed that autopay was activated online through the web, but the specific user or source of the activation was not identified. 
* I contacted Barclays again, expressing my concern about unauthorized account activity. I objected to the {$230.00} payment, as it was significantly higher than my typical payment and applied to an account that was now current. I requested information regarding the authorization of this payment and the identity of the person who made the changes. 
* During this call, I requested to speak with a supervisor and expressed my intent to pursue legal action due to the repeated unauthorized account modifications. I was informed that the {$230.00} payment could not be reversed until a month-long investigation was completed.

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 2025-03-15 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: FL

Complaint narrative:
was recenty reviewing my Credit Report and noticed that there were raudulent accounts that I did not authorize. 
Under the Fair Credit Reportina Act ( FCRA ), 15 U.S.C. 6 1681. I have the ight to dispute inaccurate, fraudulent, or unverifiable information on my credil report. I request that this account be removed from my Credit Report XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I cant properly plan for the future if the government keeps changing what happens to the loans i sign up for. I qualify for pslf. I signed up when my company changed names so they didnt do anything. I got a letter that said oh hey we have that company code but thats not the name we have filed. I tried calling XXXX for help with my nelnet loan switch over no answer. i am tired of switching my loans for the government to put them in forbearance. The save program allows me to pay off my loan possibly in full and paying some amount of interest. I believe it to be fraud to allow it to start and allow people to sign up and then cancel it. People cant financially plan. This SAVE program makes sense for those who have a large XXXX level of debt and 10 % of their income is no where near 10 % of their loan total. I am not paying double what I owe just so nelnet can be paid to service my loans. I am also certainly not ok with following a payment plan under forgiveness terms while my loan total will grow to double its size for the government later to decide that they are going to get rid of the forgiveness aspect later when standard re payment becomes impossible. Under the SAVE program i can pay my fair share of money to service my loans and then pay them down over time. Not being able to claim bankruptcy on this broken and fraud riddled system is messed up. No wonder no one wants to be a XXXX  made in America any more. This is no way to treat your XXXX. Watching the percentage of us replaced by XXXXXXXX XXXX XXXXXXXX XXXX rise will correlate to the cost of a XXXXXXXX XXXX and what the government chooses to do about repayment. Right now its like 25 %. Get rid of repayment plans and watch it become 50 %. Why? Because they can become XXXX  for a quarter of the price. If you want America healthy again invest in American XXXX. If you want to protect Americans protect the American XXXX. Want safer vaccines? Worried about how they are made for Americans? Save American XXXX! People are all worried about XXXX XXXX. I am worried about shortages just being filled by XXXX legally instead of dealing with the broken student loan system that allows universities to charge whatever they want and a government that cant stick to payment plans they create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

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 non-monetary relief
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT. XXXX, XXXX, XX/XX/year>. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681, Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud.

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 2025-03-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app Inform me That they needed some type of information For my account for me to confirm My identity and when I provided them this they informed me That I had to re make Make a new account so that they can merge the two and then I will Have access. And then when I did such thing they said they can not merge the XXXX and the computer denied it. So I try to log back into my old account. And it told me that this account doesn't exist or can not be recovered. 
There was a total of XXXX. {$600.00} that was sent to me from my XXXX XXXX XXXX for my tax return that I can not get back. Or recover a Cash App is refusing to help me in any way. And when I asked him about this, they told me that I never received any money from the IRS or they don't have any transactions at all. And then they said oh, we do see here where you. You have received the money on the XXXX of XXXX but the IRS took it back. I called the IRS and they said that they do not do this. They do not take phones back after they have been sent out and now Cash App is denying the whole thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Mortgage was transfered XXXX I made my payments the way I usually do they had changed the way they accepted them so payments that was made on time wasn't applied on time, they reported to credit bureau XXXX and XXXX was late i sent in proof to them i had paid them to fix it and they didn't it cost me XXXX points taken off my credit score. Then I was appointed early XXXX to pay my own land tax and insurance so come XXXX they paid our land tax and they was not supposed to i tried to get the escrow removed and they said they can't that I had 2 late payments in XXXX and XX/XX/year> which is not true, i paid {$2100.00} to the mortgage company which was the exact amount they sent to pay my landtax, escrow is Nothing but a scam they play tricks to get extra money off me they are scammers that break laws all this XXXX XXXXXXXX needs 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 explanation
Consumer complaint received 2025-03-15 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: CBC Companies, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Subject : Opt-Out Request & Removal of Personal Information To Whom It May Concern, I formally request the immediate removal of my personal information from your records and any third-party databases due to my status as a victim of stalking and trafficking. Under the following laws, I assert my rights : FCRA ( 15 U.S.C. 1681c ) Right to suppress adverse information.

Gramm-Leach-Bliley Act Restricts disclosure of financial data.

DPPA ( 18 U.S.C. 2721 ) Prohibits unauthorized sharing of motor vehicle records. 

XXXX & Address Confidentiality Laws Ensure privacy for victims. 

Required Actions : Delete and cease processing my personal data. 

Stop sharing, selling, or distributing my information. 

Provide written confirmation of compliance within 30 days.

Failure to comply may result in legal action. Please confirm in writing via mail or email. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief