vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX I received notice from XXXX saying there was an unfamiliar login and for me to change my password ( see attached ) I changed my password and didn't think anything of it but on XX/XX/XXXX I received another notification ( see attached ) saying my account was locked on my ads and XXXX until I can verify myself. I then went on the ad page to see why as I run small ads for my promotion company like XXXX a day for concerts ( see attached ) I began to research and that is when I seen an ad running for a very large amount XXXX ( see attached ) it was listed in the same way as my flyer but the picture was not of my concert. I clicked on the ad, and it was toys and shoes. The language promoting these items were also in a foreign language. The ads were also promoted in Hawaii and Alaska ( see attached ) I am no way associated with any company in another city or state or country selling anything. Nor did I give anyone access to my account ( see attached saying someone accessed my account ). My XXXX was hacked, and this is completely and totally fraudulent. Attached please find everything I was able to print off before I was completely locked out. I have attached pictures of the concert that I was giving at that time and which is what they did to hide their ad. I reached out to the bank the moment I noticed it on XX/XX/XXXX they took over XXXX in the matter of two days. The bank never notified me when I asked why they said because even though it was for larger amounts I had ran ads before. I got the original denial of appeal by mail in XXXX. I then printed out the stuff again along with the notification I received from XXXX and have not heard anything since. I reached out to the bank again on XX/XX/XXXX and XX/XX/XXXX trying to see what's goin on but have not heard anything nor has my money been returned. XXXX closed my account due to fraudulent activity so I can't even get them anymore but I did also write them on XX/XX/XXXX letting them know this wasnt me but trying to get someone to answer on XXXX is almost next to impossible. However I did receive notice from XXXX showing they were notified of copyright on my account so they forbade usage on my account which I don't get because I am the one telling you there is fraud on my account and that this ad is not mine. I also provided this notice to the bank in an updated email on XX/XX/XXXX. Please let me know if you can please assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: LendingUSA
State: TX

Complaint narrative:
Ive received multiple text messages even after Ive told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMEX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XX/XX/year> RE : Last XXXX of XXXX : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed, credit inquiries that I did not authorize, made by the following companies : Inquiries : AMEX I did not authorize anyone employed by these companies to make any inquiries and view any credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My current lease expires in 12 days and I refuse to renew with current Landlord due to their violations and potential illegal activities. I have been applying to rent another single family home and keep paying the $ XXXX {$60.00} application fee and losing my money every time. I am getting turned down over & over again. This should not be happening because I have exceptional rental payment history with 2 different landlords for almost 4 years now! I am XXXX XXXX XXXX am a XXXX in the XXXX XXXX and have been a member of the XXXX XXXX XXXX for nearly 6 years! I returned from a 14 month XXXX  XXXX in XX/XX/XXXX ( while XXXX I was nominated for the XXXX XXXX XXXX ). My background check is clean & I have enevfr had a criminal charge. 
YET, WHEN I CHECKED MY TRANSUNION CREDIT REPORT AND SMART MOVE TENANT SCREENING REPORT, ALSO BY TRANSUNION, IT SHOWS A FICO SCORE OF XXXX, 3 ACCOUNTS IN COLLECTIONS ( NOT MINE ) AND OTHER MISINFORMATION!! TRANSUNION HAS MY DATE OF BIRTH LISTED AS XX/XX/XXXX, BUT MY ACTUAL BIRTH DATE IS XX/XX/XXXX. THE DOB THEY ARE SHOWING HAPPENS TO BE MY DECEASED GRANDMOTHER 'S BIRTHDATE!! SHE PASSED, UNEXPECTEDLY & TRAGILLY ON XX/XX/XXXX WHILE I WAS XXXX! IT ALSO HAS MY CURRENT ADDRESS AS MY PREVIOUS ADDRESS. I TRIED TO DISPUTE THESE ISSUES ONLINE DUE TO MY URGENT TIME RESTRAINTS BUT WAS TOLD THAT i WOULD HAVE TO MAIL IN MY DISPUTE AND THEY WOULD GET BACK TO ME 30 DAYS AFTER RECEIVING DOCUMENT PROOF OF THE DISPUTE!! IT DOESN'T SEEM LIKE IT SHOULD BE LEGAL TO PUBLICLY POST INACCURATE INFORMATION REGARDING MY CREDIT WORTHINESS TO VARIOUS ONLINE PLATFORMS WITH NO ATTEMPT TO RESOLVE WHEN NOTIFIED OF THE INACCURACIES. I WANT IT FIXED IMMEDIATELY. IT HAS ALREADY IMPACTED ME FINANCIALLY AND TARNISHED MY REPUTATION AND NOW I AM GOING TO BE HOMELESS!! PLEASE DON'T ALLOW THIS TO HAPPEN TO ME OR ANYONE ELSE IN MY PREDICAMENT! THEY SHOULD BE OUT OF BUSINESS AND THIS IS IN NO WAY FAIR! SOMETHING MUST BE DONE THIS!! WHAT THEY ARE DOING IS RUINING PEOPLE 'S LIVES!!!

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Subject : Complaint Against American Express for Unfair Closure of Two Credit Accounts and Misleading Customer Service Dear Consumer Financial Protection Bureau, I am filing this complaint regarding American Express and the closure of my two credit card accounts due to a payment error that I acted swiftly to resolve. 

In XX/XX/year>, I accidentally made payments on both Amex accounts using the wrong bank account. As soon as I realized this, I contacted Amex customer service and spent multiple hours on the phone working to correct the issue. I paid both accounts in full using a valid, verified bank account and believed the situation was resolved. 

Despite my good faith efforts, both accounts were closed without notice on XXXX XXXX, while I was traveling. This was an incredibly disruptive and disappointing experience, especially since I had already made full payment and done everything Amex had asked of me to address the issue. 

To make matters worse, Amex customer service misled me. I was told that I could reapply immediately after the closure, only to later discover there was a mandatory waiting period before I could even submit a new application. When I finally waited out the required time and attempted to reapply, I was told that in order to proceed, I would need to verify my bank account through XXXX, a third-party platform that requires direct access to my personal bank account. 

This is unacceptable, especially considering : I have never missed a payment outside of the original bank account mix-up, Ive consistently paid my balances in full, and I have already provided payment from a valid account and corrected the original error. 
For a company that prides itself on customer loyalty and service, I feel I have been treated unfairly and misled multiple timesfirst regarding the ability to reapply, and now with this invasive new requirement despite my strong payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a Victim of Identity Theft that a scammer applied and got a Loan of {$350.00} dollars that I never applied for. I have tried to contact the creditor that report the account on my credit but did not succeed. The name of the company is : XXXX XXXX XXXX, account number : XXXX, account open XX/XX/year>, account report on my Experian Credit on XX/XX/year>. this account report only on my Experian Credit.

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 2025-07-06 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( last XXXX ) : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a XXXX  XXXX account on my credit reports from TransUnion, XXXX, and Equifax. The account is showing a XXXX late payment status, which is inaccurate. I have not received any proper notice, validation, or documentation verifying this derogatory information. Additionally, I have not provided authorization for this information to be reported in such a manner. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 609, I am requesting the verification of this account and the specific details behind the reported delinquency. If XXXX XXXX and the credit bureaus can not produce documented evidence, including date-stamped records and a signed agreement, then this information must be removed immediately from all credit reports. 

This negative reporting violates my rights under the FCRA and the Privacy Act of XXXX, as there has been no documented authorization for this information to be shared or reported. If XXXX XXXX can not validate this information, it must be deleted. 

Please conduct an investigation and provide a resolution within the time frame required by law. 

Sincerely, 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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a transactions in XX/XX/year> to stay at the XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX. It was done by a third party called XXXX XXXX. 

I had some issues with my stay and XXXX offered to refund my stay. They already processed by my credit card company is refusing to accept the refund. I have provided documentation.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi XXXX XXXX XXXX feature is a rebate of accumulated funds earned as you use the card. You are able to request a cash rebate within 90days of purchasing a car. 
I purchased a car on XX/XX/year>. My rebate was for {$1600.00}. I submitted the paperwork to citi bank as request on the form. I included a copy of the purchase agreement equal to about {$54000.00} and a copy of the title that had been issued to me. It was more than enough proof of purchase of the car. I submitted the documentation via mail to the XXXX XXXX XXXX purchased priority mail from the post office so that I would know what day it was delivered. According to the post office. It was picked up on XX/XX/year>. 

I received a letter on XX/XX/XXXX dated XX/XX/year> from Citi Bank indicating that they had not received my redemption form and proof of purchase or lease within 90 days of your vehicle purchase or lease date. Im well within that 90 day period this was not a valid reason to deny me my funds. 

I have tried calling using the number on the form to speak to someone to verify that they received my application that occurred about two weeks ago. I can only say that after spending an hour of being transferred from one office to another and on and on that I just hung up. I never reached anyone who knew anything about the 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 monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I refinance a loan with empire finance. XXXX who done refinance raised the loan back to XXXX dollars so I asked how much money i was getting back she said none I said but u raised the loan back up to XXXX. So she put me on hold talked to the manager and said it's interest. Well I immediately canceled the refinance. On XX/XX/XXXX I pulled their website to make payments and they didn't cancel refinance. I think their ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding serious misconduct by Prestige Financial Services involving unlawful credit reporting practices, irregular loan contracts, and misrepresentation of account status. 

Prestige Financial has reported my auto loan account as 'charged off ' but continues to report monthly late payments, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ). Once a debt is charged off, it can not continue to be updated as though it remains delinquent. Furthermore, I was never notified by Prestige Financial that my account had been charged off, in violation of both the FCRA and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

More concerning is that I later discovered Prestige Financial is in possession of two separate contracts under my name for the same vehicle loan. I was only ever aware of and signed one of these contracts. The contract they enforced does not include GAP insurance, whereas the other does. The signatures on the two contracts do not match, raising serious concerns about the authenticity and potential forgery of documents. 

After my vehicle was totaled and the insurance payout failed to cover the remaining balance, Prestige enforced the contract without GAP coverage and continued to pursue collection. This has severely harmed my credit standing and caused emotional distress.

These actions by Prestige Financial appear to violate the following federal statutes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 - Truth in Lending Act ( TILA ), 15 U.S.C. 1631 and 1640 - Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 I respectfully request that the CFPB investigate this lender for deceptive and fraudulent practices, improper credit reporting, and the use of potentially forged or duplicated contracts. I have supporting documentation including both contracts, my insurance report, and screenshots of the ongoing negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union Or a third-party or second party Im not sure which has information about an eviction and the eviction or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was done illegally, and I reached out to the apartment that management of the apartment and whoever else was concerned with this eviction and illegal act done. I told them to remove this or to face problems in court. They never removed it and Im telling all the major credit bureaus to remove this negative information due to illegal actions done I sent proof of video I sent proof of text messages that they know that the apartment building knows they did illegal things, but still continue to have this on my record

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX, was scammed out of {$1000.00} by XXXX XXXX, referred by XXXX, a trusted acquaintance. I sent {$1000.00} via XXXX from my TD Bank checking account ( Payment ID : XXXX ) on XX/XX/year>, as part of a {$4500.00} broker introduction fee. XXXX sent a contract via XXXX, promised a XX/XX/year>, XXXX meeting, then ghosted me, making this an unauthorized transaction under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.6 ). I reported this to TD Bank on XX/XX/year>, and filed a police report ( XXXX, XX/XX/year>, PA XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX

Company response to consumer: Closed with explanation