vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: TX

Complaint narrative:
I HAVE BEEN TRYING TO GET MY TAXES RETUNED FROM THIS COMPANY FOR OVER XXXX XXXX  NOW!!!! I DO NOT bank with this company!!!! My refund was sent to them in ERROR!!! They will not return my refund to the IRS. I had an investigation done. Their response to the IRS was that the funds were sent to an account that was not mine or joint filer. NOTHING about how they would rectify and send me my funds. I have no choice but to make this a civil matter which will cause me even more stress. I need my funds returns of {$4800.00}. I will not let this bank keep my money. I have begged them to just send it back to the IRS its not like that will put the bank in debt. At this point I will have to seek legal assistance to sue this bank for not rejecting the return and sending the funds back to the IRS.

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 2025-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> They took my vechile wouldnt allow me to purchase and now charging excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After gaining credit literacy I notice a debt collection on my account that I was unaware of in the amount of {$1100.00}. I filed a ftc report tried resulting in the past but nothing happened

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 2025-04-01 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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: IL

Complaint narrative:
Dispute of Charge-Off Account Due to Lack of 1099-C Form To Whom It May Concern, I am writing to formally dispute the charge-off accounts [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, a creditor is required to issue a Form 1099-C for canceled or forgiven debts exceeding {$600.00}. However, I have never received a 1099-C for this account, which calls into question the accuracy and legitimacy of this charge-off reporting. 
Under the FCRA, credit bureaus are responsible for ensuring the information they report is accurate, complete, and verifiable. Because I have not received a 1099-C from the original creditor, I request that this account be investigated, verified, or removed from my credit file. Please provide documentation proving the validity of this debt and its charge-off status, including evidence of a properly issued 1099-C, or delete the account from my report in compliance with federal law. I request a response within 30 days of receipt of this letter, as required by the FCRA. Please
send all correspondence regarding this matter to the address listed above.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I purchase clothing from someone online and never received the items. I file a dispute with cash app as they denied it so now Im out of {$200.00} and they refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
I paid my XX/XX/year> payment on XX/XX/XXXX, totaling {$1400.00} from XXXX accounts. I called LoanDepot on XX/XX/XXXX to pay my XXXX payment and was told I was due for the XXXX payment. I explained to the representative that I did make the payment. She conducted research and stated that my payment was misapplied, and she opened a task to have the money reversed. I have been calling for a whole month and spoke with XXXX or XXXX managers who all stated it will be corrected. As of today, XX/XX/year>, my payment has still not been corrected. My XXXX XXXX has been affected by late payments because when I make the monthly payment, it's for the previous month, as my XXXX payment is not fixed. I also asked them to contact XXXX XXXX XXXX 's office to adjust my taxes, as they are being overcollected in XXXX, XXXX. If you don't pay your water bill by a specific date, it will be added to your taxes. I explained and emailed them because my mortgage is being raised by $ 200 monthly, and I can not afford that increase. It seems that no one who answers the phone there doesn't know their job. I received a letter stating that they will not correct my credit because I was late. I received a pre-foreclosure letter. I have not missed one payment since I purchased my home. I will start with the complaint for now but might seek legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
New federal law states that medical debt should no longer be included on your credit report. This was posted in the XXXX XXXX and effective XX/XX/year>. Ive tried to explain to Experian that I dont dispute the debt. It should just no longer be included on my report. The only response I get from them after explaining the above is that they verified the debt and it stays. How can they do that when the law states medical debt cant be included? This incorrect information recently effected my ability to to get a car loan. 
I dont know why they are not listening to my dispute. I do NOT dispute the medical debt, but it should not be on my credit report as of XX/XX/year>. 
I would greatly appreciate help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$42000.00XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$42000.00XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$190.00}

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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. Please get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-04-01 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Inadequate Investigation of Unauthorized Inquiries ( FCRA Violations ) To Whom It May Concern, I am formally disputing multiple unauthorized hard inquiries listed on my XXXX credit report. These inquiries, several of which occurred on the same day, were not authorized by me in any form. I previously submitted a dispute regarding this issue on XX/XX/year> at XXXX pm and received a response from XXXX within 12 hours, stating that the information had been verified and would remain on my report.

This response is not only unacceptable it appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, XXXX may be in violation of : FCRA 1681i ( a ) ( 1 ) ( A ) for failing to conduct a reasonable reinvestigation of disputed information. A response issued within 12 hours strongly suggests that no such investigation occurred.

FCRA 1681i ( a ) ( 2 ) ( A ) which requires the credit bureau to promptly notify the furnisher of the dispute and provide relevant information for investigation.

FCRA 1681i ( a ) ( 4 ) which mandates that the bureau must review and consider all relevant information submitted by the consumer.

FCRA 604 ( a ) ( 3 ) which restricts the furnishing of consumer reports only for permissible purposes. I did not provide consent for all of these inquiries, which makes their inclusion on my report unlawful unless you can provide documented proof of authorization. 

In light of XXXX failure to comply with the FCRA, including the lack of a proper reinvestigation and the absence of any verified authorization, I am now demanding the immediate removal of all disputed inquiries from my credit report. Your 12-hour response does not meet the legal standards for a reasonable investigation, and as such, XXXX has forfeited the right to the standard 30-day reinvestigation period. These inquiries must be removed without further delay.

I am requesting the following actions : 1. A full and legally compliant reinvestigation of the disputed inquiries.

2. Documentation proving my express authorization for each inquiry.

3. Immediate removal of any inquiries that can not be verified with proper documentation.

If this matter is not resolved appropriately and without delay, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. I am keeping copies of all correspondence related to this matter for possible legal action. 

Please respond in writing and confirm removal of the disputed items immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute of Charge-Off Account Due to Lack of 1099-C Form To Whom It May Concern, I am writing to formally dispute the charge-off accounts [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, a creditor is required to issue a Form 1099-C for canceled or forgiven debts exceeding {$600.00}. However, I have never received a 1099-C for this account, which calls into question the accuracy and legitimacy of this charge-off reporting. 
Under the FCRA, credit bureaus are responsible for ensuring the information they report is accurate, complete, and verifiable. Because I have not received a 1099-C from the original creditor, I request that this account be investigated, verified, or removed from my credit file. Please provide documentation proving the validity of this debt and its charge-off status, including evidence of a properly issued 1099-C, or delete the account from my report in compliance with federal law. I request a response within 30 days of receipt of this letter, as required by the FCRA. Please
send all correspondence regarding this matter to the address listed above.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$42000.00XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : $ {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$190.00}

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 2025-04-01 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
Their crypto staking system is completely rigged against the user. They can reject any order with a higher chance of winning a larger payout. On top of that, they openly admit that the amount a coin stakes for isnt based on live market prices. Ive seen Bitcoin go above or below my target in my favor multiple times, yet they manipulate their numbers based on vague different factors. Their so-called reference price is sometimes off by several dollars, allowing them to move the goalposts at will.

I have screen recordings and screenshots proving all of this. After scamming me out of a significant amount with their rigged staking system, Ive spent the last two days simply trying to withdraw my remaining balance and close my account. They refuse to release my funds. 

I wish I had checked their reviews earlierIm far from the first person this has happened to. And their claim of {$0.00} fees to sell crypto? That turned into over {$60.00} in hidden charges. This company is a total scam.

Company response to consumer: Closed with explanation