vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/year>, I received my terminated 403 ( b ) account, which was to be returned to me either in cash or transferred to other accounts, such as my retirement account. I opted for the latter and transferred the funds. However, instead of being deposited directly into my bank account, the checks were mailed to me. 
I promptly contacted Discover Bank to inquire about the appropriate course of action for this transaction. Both parties involved in the checks were listed on the documents. One check was for {$950.00} ( XXXX ) and another for {$2500.00} ( savings ). 
The retirement department informed me that these checks could only be deposited into the retirement account I had opened for transfers. This was an error, as a branch employee had deposited the {$950.00} XXXX check into my savings account, which was subsequently withdrawn and deposited into the correct account. The {$2500.00} deposit was processed correctly the first time. 
Approximately two or three checks in my account were {$950.00}, which had been moved again but returned to the original account, which was my savings. I contacted the bank, but no one could provide an explanation for the branch-level error, as this is an online bank. The fee associated with the transaction was subsequently removed, and for a month or two, I was unable to locate the missing funds or determine their origin. 
I was deeply frustrated and never received the money back from the bank. They attributed their inability to handle my funds to their own shortcomings. They repeatedly stated that there was nothing they could do once a check cleared. 
Initially, the bank had informed me that these checks could not be deposited into any checking or savings account other than retirement accounts. Therefore, the money vanished, and the only explanation they offered was that it was out of luck. 
I am still awaiting the return of my funds. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
My information was breached and incorrectly reported or edited on XXXX major credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
No previous action was taken National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States has laws that many citizens can use to fix their credit as such. Id like to apply these laws to my credit report as follows. 
15 US code 1692c 15 US code 1692g 15 US code 1681e ( b ) 15 US code 1635

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am a victim of identity theft and I have filed a report and I would like to have these fraudulent accounts removed from my credit report asap. These are fraud and have prevent me from buying a home. I have included my ID and passport with my address along with the identity theft report XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX BANK XXXX opened XX/XX/XXXX Balance {$4900.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX CARD Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$41000.00} XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX BANK Date opened XX/XX/XXXX Balance {$44000.00} XXXX BANK Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$250000.00} XXXX Date opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$51000.00} XXXX Date XXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/XXXX, I was searching for a job at XXXXuspsXXXX and then after login, the scam website popup but I didn't know that a scam. They asked me to pay for {$49.00} and USPS guaranteed that I would get assessment, interview, and offer until 30 days. But if I didn't get any offer, they would refund money back. So, I paid for them. After that I can't find any job that I looking for, also the confirmation email and the link that they sent to me was not looked like. So, I asked my husband to contact to the bank to canceled that transaction. Finally, the bank helps me to disputed money back in XX/XX/XXXX. 

XX/XX/XXXX, I got alerted from the bank that I use money overdue. Then I saw they canceled the disputed transaction and cut it to the scammer. So, I contacted to scammer yesterday, asked money back but they said they will refund unless I registered, do assessment for 3 times and still don't get an offer. So, they send me the link to do again. I compared with uspsXXXX and it look similar. So, I registered for it. Again, after register I can't click to on any job. That homepage was a scam. 

My question is why the bank transfer money from their client to a scam as like they know that a scam. I contacted them by myself, I verified myself with my SSN with her, she said, she will called me back and hanged up the phone on me. She didn't call me back the same she said. I asked my husband called back in the eventing, he said the bank said I have subscribed with them so, it wasn't fraud and she can't helped. I disappointed and don't trust the customer service that working for the bank. ( USAA )

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They charge this off to insurance/tax credit I never got XXXXXXXX XXXX and it still shows I owe amount when they have been paid already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have had multiple mortgages through multiple companies. I am always set up on the auto-payment systems and typically pay additional toward the principal each month. My husband and I closed on our current house in XXXX and were aware the first payment would be due XX/XX/XXXX. I waited for the mail to find out where the mortgage was sold to so I could set up payments. When I received this mail, I immediately set up my account with M & T Bank and enrolled in auto-payments set to draft prior to the monthly due dates. A couple of months later, my husband and I received a door hanger one Friday afternoon from the bank with no additional information. I called the bank that day only to be hung up on after XXXX with no option to call back until Monday. I still had no idea what the matter was because the representative confirmed I had auto-payment set up ahead of time. Then, we received mail that our account was delinquent and that we could lose our home. I had to call just days after the complicated birth of my child to speak to someone and get the payments up-to-date because the auto-payment system never drafted. I was told to make sure the payment went through prior to the first of the month so the auto-payment system would kick in. The payment went through, and a couple months later, we received the same mail saying our account was delinquent and that we could lose our home. I had to call again and was told the previous payment hadnt processed far enough in advance of the next payment date for the auto-payment to kick in, so it never drafted, late fees were added, and we were reported to the credit bureaus. No notice was ever given to me that my scheduled payments were not drafted. This second call to get my account up-to-date was made multiple weeks before the next payment due date. My account was current well before the next auto-draft payment for the XX/XX/XXXX payment date. I just checked my account, and not only did the system not draft the payment, but another late fee has been added to the account. 
I am filing a complaint against M & T Bank for being a fraudulent company using a known flawed auto-payment system in order to incur regular late fees on accounts. The lack of communication and notifications through their system and the harassment, threats of taking our home, are unprofessional, unacceptable, and are not good faith practices of a company holding mortgage accounts. I have never come across such systems/ issues out of all past mortgage accounts I have held.

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 2025-03-02 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
As of XX/XX/year>, XXXX XXXX has reached out to settle for {$11000.00}. The XXXX XXXX of the car is roughly {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. Code XXXX 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. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint has been submitted to the CFPB to formally request, in accordance with FCRA XXXX ( 15 U.S.C. XXXX ), that you, as the Bureau credit reporting agency , remove from my consumer credit report any information stemming from identity theft and fraud within XXXX business days of your receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation