vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Urgent Resolution Required for Missing Funds Transfer To Whom It May Concern, I am writing to formally address a long-standing issue involving a missing funds transfer initiated through my XXXX account to my personal bank account at US Bank XXXX The unresolved matter has persisted since XX/XX/year>2023, and despite numerous attempts to seek resolution, neither XXXX nor US Bank has taken appropriate responsibility to address this matter effectively. On XX/XX/scrub> 2023, at approximately XXXX XXXX, I initiated an instant transfer of {$990.00} ( with a fee deducted, leaving {$970.00} ) from my XXXX account to my US Bank account. I paid an additional fee for the instant transfer service, which should have ensured that the funds were available immediately. However, after waiting for over 30 minutes and not seeing the funds in my US Bank account, I contacted XXXX support for assistance. XXXX informed me that the transfer had cleared on their end and directed me to contact US Bank. US Bank, in turn, claimed they could not locate the transaction due to a lack of information, specifically the bank account number ending in XXXX, which both XXXX and US Bank have declined to provide, citing security reasons. As a result, the funds remain unaccounted for, and both companies have directed me back to the other, effectively leaving me without resolution. After further investigation, I contacted XXXX, the credential-obtaining company XXXX uses to link bank accounts. Plaid informed me that they would be able to assist if XXXX contacted them directly. Despite this viable solution, XXXX has refused to reach out to XXXX, stating it is not their standard procedure. At this point, I am extremely frustrated. It is not my responsibility to mediate between XXXX, US Bank, and XXXX to recover my own funds. The funds were entrusted to your services, and their misplacement is the result of inadequate coordination between your companies. Both XXXX and US Bank bear responsibility for resolving this issue and ensuring that my funds are returned. This situation has dragged on for over a year, which is unacceptable. I expect both XXXX and US Bank to take immediate, coordinated action to resolve this matter. Specifically : XXXX. XXXX must contact XXXX to obtain the necessary information to locate the transaction. XXXX. US Bank must cooperate fully with XXXX to identify and credit the missing funds. I trust that you will treat this matter with the urgency and seriousness it deserves. I look forward to a resolution of this issue.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc
State: WA

Complaint narrative:
I was recently made aware of a XXXX debt collection agency, Atlas Financial Services XXXX XXXX, XXXX  XXXX attempting to collect on an unpaid parking ticket issued by XXXX XXXX XXXX of XXXX XXXX XXXX. The debt agency was attempting to collect USD funds while the ticket was issued and indebted in XXXX funds. This is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
My personal information and identity was stolen and used to take all my money as a result. I lost everything and nothing was done about it. I lost over {$10000.00} in cash with cash app. I contacted them and they did nothing about it. Please contact me as soon as possible. I would like to file a claim regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Remove false information from reports and report accurate information. STATUS CompanyrespondedonXXXX2025 RESPONSETYPE Closed withnon-monetaryrelief Companyresponded Company 's Response Thank you for submitting your complaint through the CFPBComplaint Portal. In your complaint, you indicated that therewere inaccurate items reporting on your credit file. XXXX hascompleted its investigation, including contacting the furnisher ofthe information, where applicable. A summary of the results arelisted below : Collection : XXXX XXXX  THIS ITEM HASBEEN DELETED FROM THE CREDIT FILE. We hope this resolvesyour concerns and, if applicable, a copy of the dispute results hasbeen mailed to you. If you have any additional questions, youmay call XXXX ( XXXX ) or you may visitXXXX. With XXXX, you can create an account

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 

Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following The incorrect addresses I request to be removed are : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, GA 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
*Flagstar Bank decided to sell my loan without telling me in XX/XX/2024 *Flagstar Bank plotted to perform another escrow analysis on my mortgage of less than 6 months well-knowing they were selling my mortgage undenounced to me at the time.

*Flagstar Bank , as a result of their new unknown escrow analysis, increased my mortgage.

*Flagstar Bank never notified me of the mortgage increase.

*Flagstar Bank then sold my mortgage after notifying me of a late payment.

*Upon receipt of the late payment notice, I contacted Flagstar Bank and they notified me on the phone of the mortgage increase due to their new escrow analysis and the sale of my mortgage and could not help me any longer, stating that they no longer owned the mortgage.

*Flagstar Bank sold the mortgage to XXXX XXXX XXXX in the interim of the sale, Flagstar Bank would not take my phone calls or letters nor was XXXX XXXX due to the new mortgage company account being setup with XXXX XXXX XXXX 
*The terms of my mortgage sale states that for 60 days I shall not be penalized nor any credit bureau reporting in a negative fashion.

*Flagstar Bank notified the credit bureaus of a late mortgage payment while in parallel not giving me notice of the same mortgage increase or proof of same.

*I have no mail, email, written or otherwise any oral communication to me, with proof of service that Flagstar Bank increased my mortgage, while in parallel making my mortgage payments in full, plus adding an additional {$150.00} to my mortgage payment to my new loan servicer XXXX XXXX when after the fact I discovered due to a late notice that my mortgage increased without notification prior.

*Flagstar Bank charged me numerous late fees, interest and late charges plus notified the credit bureaus of a late payment, which was {$67.00} short, but not notified to me.

*Flagstar Bank shall be fined and reprimanded and further, Flagstar Bank should be made to correct the fraudulent credit bureau notice.

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-03-10 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-10 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: MARINER FINANCE, LLC
State: NY

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECIEVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX XXXX XXXX XXXX MARINER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECIEVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/VALUE CITY 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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
XXXX has decided for whatever reason that my account needs further verification due to suspicious activity yet they are unable to say what suspicious activity. No problem I can further verify who I am however I decided not to. The reason is I feel what they are asking of is unreasonable. They need pictures of my full credit card and driver 's license. I am not comfortable sending anyone my full cc information along with my drivers license. I might as well send my social security number, Date of birth and directions to my house letting them know when I won't be home. I reached out to see if I can verify another way and I simply got a No. I think k this needs looking into. Unfortunately I have been a victim of scam more than once and XXXX if the XXXX times involved XXXX Email account so me sending my full cc is not happening which now means I can't make any Mobil purchases. Which I think is total bs really!

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ).

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX .XXXX - XX/XX/XXXX .XXXX XXXX  - XX/XX/XXXX .XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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