vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
On or about XXXX XXXX I received a letter from US Bank stating that my business credit card would be closed due to being in danger of or being used for fraud. I wrote a letter to the XXXX XXXX XXXXXXXX on XXXX XXXX and faxed it to them. The next day I received a call from XXXX from the XXXXXXXX XXXX XXXXXXXX. I called her back several times with no response from her. I then get a new business credit card in the mail for the same account. Upon trying to activate it I was told that it was closed. I then asked to speak with the supervisor which informed me that the account was closed and would remain closed. 
I feel that I was unfairly treated as customer. The letter I received from US Bank alleged that my account was being closed for fraudulent activities which was untrue, unclear and unproven. This unfair practice by US Bank was unlawful in violation of my due process They failed to disclose the true nature of any activities of fraud. Also, my account was fully paid off at {$15000.00} prior to the alleged accusations by US Bank.

This unlawful practice by the US Bank accusations has greatly affected my business account, as well as my credit account with US Bank, and the credit bureaus by closing this account. Which is harmful for all consumers who may have encountered this same practice by US Bank.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
CashApp closed my account unprompted and without providing explanation beyond a " terms of service violation. '' I do not even use this account to send or receive money. I can think of XXXX times in the past XXXX years I've used it and none of those reasons would constitute a violation of the terms of service. 

I generally has written the account off as I did not use it. However, I did use it to file my taxes in XX/XX/year>. I went to retrieve my tax return expecting that even if they account was not in use that it would allow me to access my own legal document. However, I am barred from accessing my tax return which they filed on my behalf and they refuse to send it to me or reverse their decision on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My mortgage lender uncovered that my student loans were being reported as being in collections as of XX/XX/XXXX, even though the accounts had been transferred through the XXXX XXXX XXXX, effective XX/XX/XXXX. Through this program, my loans should have been removed from collections. I called Nelnet twice on XX/XX/XXXX to fix this issue. The first agent I spoke to told me that the loans were not reported as being in collections The second agent I spoke to told me to upload the credit report and reach out to the XXXX XXXX XXXX for more information. The website said that it would be 24-48 hours before Nelnet would be able to see the uploaded document. I uploaded the report that day ( XX/XX/XXXX ) and called the XXXX. The XXXX  sent me a letter confirming the transfer of the accounts and that the debts were settled, as well as a letter stating that I was disputing what was being reported to the credit reporting agencies. On XX/XX/XXXX, I called Nelnet to confirm that my document had been received and to explain to them why I had uploaded the credit report, as there is no space for comment on the page where documents are uploaded. The agent took note of what I said and told me that an inquiry had been opened on my behalf, and told me to upload the letters from the XXXX  as well. I did as instructed and waited for a response. On XX/XX/XXXX, I found a letter in my mailbox dated XX/XX/XXXX that stated my inquiry requires no adjustment because I had provided a lack of sufficient information. The agent that I spoke with on XX/XX/XXXX had said that the inquiry was open, even though there was record of it being closed. When I called Nelnet on XX/XX/XXXX to ask about the letter I had received, I was informed that the agent I had spoken to on XX/XX/XXXX also marked my inquiry as needing no adjustment, even though new documents had been uploaded. As I am under contract to purchase a house, I need to have this issue resolved expediently. A new inquiry should have been opened on XX/XX/XXXX, but it was not. According the the XXXX XXXX program, the debts should have stopped being reported as collection accounts XXXX days after signing up for the program, which I did on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has denied me access to my credit report on XXXX and on their web portal.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 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: NY

Complaint narrative:
This is not a mistakeI need urgent attention on this matter. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This has been a recurring issue, and despite my efforts to have it corrected, it remains unresolved. Additionally, my personal information is incorrect, which is leading to these unknown and inaccurate accounts appearing on my credit report. This situation is extremely concerning, causing me unnecessary stress and anxiety.

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 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I received this, and do not understand, as I have never done business with this company. 

Dear TD Auto Finance Customer, Your one-time payment made on XX/XX/year> XXXX XXXX ET of {$2500.00} was successfully processed for account ending in XXXX. 

Here are the details of the payment : Confirmation Number : XXXX Payment Amount : {$2500.00} The payment was funded from the following payment account : Checking Account Number ending in : XXXX Please save this confirmation for future reference. 

If you have any questions regarding this transaction, please contact TD Auto Finance toll-free at XXXX. 

Thank you, TD Auto Finance Please do not reply to this message. Replies to this address are routed to an unmonitored mail box. 

TD Auto Finance XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX TD Auto Finance is a division of TD Bank , N.A . 
The TD logo and other trademarks are the property of the XXXX XXXX or its subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/year>, I purchased a sewing machine from XXXX XXXX ( # XXXX ) for {$190.00} using my Apple Card. The store displayed a Hassle-Free Returns policy, but at checkout, there were no visible signs stating that sewing machines were non-returnable. 

Shortly after purchase, the sewing machine became defective. Since XXXX refused a return, I was forced to send it for warranty repair on XX/XX/year>. Initially, I was told the repair would take a few weeks, but it has now been XXXX months, and I am still waiting for my machine to be repaired. 

I filed a dispute with Apple Card ( Goldman Sachs Bank USA ) due to misleading store policies and a defective product. I provided extensive evidence, including : Emails showing warranty repair delays Shipping records proving extended processing times Videos from checkout proving no signage on the return restriction Despite this, Apple denied my dispute, claiming there was no evidence to support my claim. The store has since gone out of business, preventing me from resolving this issue directly.

I am filing this complaint because Apple mishandled the dispute resolution process, failing to review or acknowledge the substantial evidence provided. I request that Apple reconsider the dispute and issue a chargeback, as this situation involves deceptive business practices and consumer rights violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX a third party company keeps putting on my credit file I owe a debt for numerous accounts in there office under the law XXXX XXXX XXXX XXXX XXXX XXXX b I didnt not give them permission to report on my file XXXX I told them they are breaking the law XXXX violated my rights b continue to do it I dispute it with XXXX XXXX XXXX XXXX XXXX XXXX they keep putting it back on my credit file knowing they are breaking the law I have a verbal cease XXXX desist against that company please remove XXXX delete it from my file please asap they are breaking the law anything in there office with my name XXXX social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OK

Complaint narrative:
My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused. 

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud other platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
Account from exeter finance had been added to my credit report that should not be on my credit, I never had a lease for a vehicle with them or for any vehicle. I have owned every vehicle I ever had in my possession.

Company response to consumer: Closed with explanation