vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US bank business checking account was promoted with {$800.00} account opening bonus if account holder bring in $ XXXX on ( or before ) the XXXX day of account opening, and hold the XXXX until XXXX day of account opening, XXXX XXXX XXXX. According to the terms of promotion, the {$800.00} bonus should be paid " within 30 days following the last calendar day of the month you complete all of the offer requirements ''. 

I opened US bank business ( silver package, account # XXXX, routing # XXXX ) on XX/XX/XXXX ( received account opening email on XX/XX/XXXX XXXX pm ), brought balance to XXXX on XX/XX/XXXX, withdraw part of the XXXX on XX/XX/XXXX. The bonus should be paid by end of XX/XX/XXXX according to the term. I have not received the {$800.00} bonus. 

I have called US Bank 5 times since start of XX/XX/XXXX, I was told my account opening day was XX/XX/XXXX, and I did not hold the XXXX on the XXXX day of account opening. I was told a ticket was submitted to the back end to investigate when my account was opened, subsequent call did not get the result of ticket.

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 2024-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
They have threatened myself by falsely stating there was a warrant out for my arrest. I had to come to the Sheriff office. I called the office and they said, its a scam and contact XXXX XXXX. 

They have contacted both my mother and father who are elderly saying that THEY would have to appear in court regarding this matter that they can't discuss pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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 Code 1681b - 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 : ( 2 ) 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 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 2024-09-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), there quired document and a letter from an advocacy group assisting me due to XXXX  debt XXXX, which falls under XXXX  according to XXXX-DebtFinal Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXX .... balance {$8200.00} XXXX XXXX XXXX XXXX .... balance {$9800.00} XXXXXXXX XXXX XXXX XXXX ... XXXX {$21000.00}

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TN

Complaint narrative:
I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX  XXXX XXXX Account XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I submitted a misconduct discharge application in XX/XX/year> to Navient private loans and it was denied. I am also supposed to be getting a new servicer and I don't know how this could impact my discharge application appeal. 

I am asking Navient for more specific reasons why it was denied but found out I could submit this in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
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 XXXX  according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 four business days, pursuant to section 605C 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 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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 Code 1681b - 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 : ( 2 ) 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 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 2024-09-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I was required to call Citizens Access to close my CD. It could not be closed online. I called yesterday and requested that the balance be transferred to my linked account at XXXX Bank. This morning, when I logged into the Citizens Access website, the XXXX transaction history and all the statements were gone, and I received error messages on every screen. I have no written confirmation of the amount of the transfer or where it went. There is no record of a pending transaction at XXXX XXXX, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : I am not sure why this inaccurate information is being reflected on my credit file with only your bureau. I am disputing the following inaccurate information on my credit file listed as a public recorded Bankruptcy. This Chapter XXXX Bankruptcy has been dismissed by the courts due to unethical practices of the attorney that filed this Bankruptcy without full disclosure. 
As you can see from the email attached to this letter, the attorney that filed the bankruptcy did so without my permission and has been found in violation of Professional Conduct by the Texas Supreme Courts Office of the Chief Disciplinary Counsel. This attorney faces the risk of losing his license to practice in the state of Texas. I have also reached out to the Texas Bankruptcy courts to see if they have reported this information to Experian and they have not, so Im uncertain how you were able to verify this information if they have assured me they have not reported this information to you as the court is civil and not a business but a part of the Public Sector of government and therefore do not report to the credit bureaus. Please provide the way in how this Bankruptcy was verified and the procedure that was followed. 
Please remove this negative item from my credit report in the next 30 days, as it has negatively impacted me. Per my rights as a consumer, inaccurate and unverifiable information must be removed It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately I also included proof from the Texas state bar confirming what I mentioned. Every other Bureau has removed it except this company. 

Thank you, Sincerely, 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 explanation
Consumer complaint received 2024-09-18 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've recently received a copy of my credit report and noticed several inquiries reporting to my credit report. These inquiries and have been detrimental to my life and credit health.

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 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My home was foreclosed on as my husband was unwell and passed away and I could no longer pay the loan on one income.

I was supposed to have a weekend to complete removing my belongings but Iwas padlocked out that XXXX  XXXX.They had my water and electric turned off even tho I had arranged for them to stay on so I could clean up.Several of my XXXX  and one XXXX XXXX XXXX along with furniture, paintings and other belongings were left behind. 
I lost so many precious things and was treated terribly by Fay Servicing. I did not know who to contact and if it would do any good

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. XXXX provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? XXXX provide the generic XXXX response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being including in bankruptcy. So, which is it? 

Portfolio Recovery Associates- Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Structured Settlement who represents XXXX XXXX, left messages with family members threatening to take me to court and demanded money. One the reps called me today and admitted they left messages with a XXXX, a family member of mine that has been deceased since XXXX. I'm tired of being harassed by this company.

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 2024-09-18 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: CA

Complaint narrative:
XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$120.00} XXXX. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$220.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX. 
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$130.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured

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 2024-09-18 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: NJ

Complaint narrative:
My account with EQUIFAX EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 
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 EQUIFAX XXXX 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 r

ule 1002 and It was never provided. This is unfair, illegal, fraudulent, an
d not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I took out loan in XXXX  with Sallie Mae. Since then sold to Navient. I have paid my loan in full to Navient but my credit report reflects I owe to dept. of education. I do not know anything about this charge and want it resolved.

Company response to consumer: Closed with explanation