vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
This has happened multiple times now, where my account is put in administrative forbearance, I receive communication that during this time XXXX interest will accrue, and yet they still ADD interest to my balance. On XX/XX/XXXX I called Aidvantage to ask about the increase on my loan and was told interest was added. I asked why it was added when I received a letter saying no interest would be added. I was told they add it anyway. I asked for documentation and calculations on how the interest was calculated and they said that could not be provided. I was shocked they can add interest and NOT show how they calculated the interest or without notification after lying in their letters stating 0 % interest would accrue. And now most recently they did it AGAIN. My balance was as of XX/XX/XXXX ( I have the screenshots to prove it ) was {$220000.00} and now they have added interest without notice and without showing how it was calculated. It says my current balance less than a month later ( while in administrative forbearance ) is {$220000.00}. That is {$1100.00} increase in less than a month!!! The account says no payment is due and yet they continue to charge interest. This is FRAUD. How can we be expected to pay back loans when lenders are pulling this XXXX on hard working folks trying to pay down their loans?? 

The last communication I received from them was XX/XX/XXXX stating change in loan terms and yet my account shows administrative forbearance with both no notice and is accruing interest while it says no payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I opened a Checking and Savings account with US Bank, XXXX XXXX XXXXXXXX. It was my understanding that I would receive a bonus of {$500.00} after XXXX XXXX with {$10000.00} in automatic online deposits made in the checking account and {$150.00} bonus if I had a total of {$15000.00} deposited in the Savings account by XX/XX/XXXX and held that balance until XX/XX/XXXX. In order to meet these requirements on the Checking account I had to have my XXXX and my XXXX XXXX checks automatically deposited each month. My first XXXX check was deposited on XX/XX/XXXX and my first XXXX check was not deposited until XX/XX/XXXX. Both requests were made at the same time. The Banker that I opened both accounts with called me around the middle of XXXX advising me that my XXXX XXXX would be up on XX/XX/XXXX. I told him that without counting the XX/XX/XXXX XXXX automatic deposit I would be short of the {$10000.00} requirement. He said that that shouldn't be a problem which I accepted. I don't remember his full name but his first name is XXXX. As it turned out I had {$8100.00} in automatic deposits on XX/XX/XXXX and XXXX in automatic deposits on XX/XX/XXXX. Each month since then I have had over {$5000.00} in automatic deposits. In XXXX I did receive a bonus of {$300.00}. In discussing this with the XXXX XXXX branch manager his response was that his boss would not allow the bonus of {$500.00} because the XXXX XXXX requirement was not met in time. I also called customer support and after someone reviewed my complaint, I don't know who, it was referred back to the branch manager who told me last week that he was waiting for an answer. All requirements were met for the saving account which now has in excess of {$35000.00} deposited and still no {$150.00} bonus. I feel that I have acted in good faith and can not understand why US Bank will not. I feel that the US Bank owes me {$350.00}.

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 2025-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to file a complaint against Capital One Bank regarding their failure to resolve a dispute and the subsequent illegal sale of my information to a third-party debt collector. 
I initiated a dispute with Capital One Bank concerning a transaction on my account. Despite providing all necessary documentation and following their dispute resolution process, the issue remained unresolved. Capital One failed to address my concerns adequately and did not provide a satisfactory resolution. 

Following the unresolved dispute, Capital One Bank sold my personal and financial information to a third-party debt collector without my consent. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The third-party debt collector has since contacted me, causing undue stress and harassment. 
I request the CFPB to investigate this matter and take appropriate action against Capital One Bank for their failure to resolve the dispute and the illegal sale of my information. I also seek assistance in ensuring that my information is no longer shared without my consent and that the third-party debt collector ceases all contact with me. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have my Social Security money deposited into Robin Hood, which is a brokerage firm. I used my monies from my Social Security that were deposited into Robinhood to make a purchase on my debit card with XXXX. V debit card was rejected and my payment to XXXX did not go through and I lost a deal. Robin Hood froze my account thinking this was probably a fraudulent charge. I spoke to them and sent them documentationon XXXXXX/XX/XXXX when I made this transaction that the transaction was made by me. Ive told them and spoke to them that I need my funds free because I can not pay my bills an and I need my funds immediately. on XX/XX/XXXX when I made this transaction that the transaction was made by me. Ive told them and spoke to them that I need my funds free because I can not pay my bills a and I need my funds immediately. They told me its under review even though I told them all the charges were mine and I sent them XXXX or XXXX times the documentation about my ID that they asked for. My funds are still tied up. I am going through a hard time, not being able to pay my bills and not being able to pay for my hotel. I have to sleep in my car now cause I have no access the funds cause Robin Hood has frozen my account under the review, even though I called them XXXX times. I asked to speak to a supervisor and they hung up on me. Robin Hood is holding me hostage For information that I already verify for them on XX/XX/XXXX. It is now XX/XX/XXXX I am without my funds and I do not know what to do. Robinhood is declining to unfreeze my account. They told me its under review this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sold loans before XXXX  and information reappears on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/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. 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!

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 2025-02-13 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:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$550.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 2025-02-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts : Citibank 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 explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I was scared form my cash app for {$2500.00} I tried to call cash app and they did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-14 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: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks 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 2025-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
In XXXX I applied for a loan from XXXX XXXX XXXX XXXX XXXX. I received the loan and began schooling. However due to an economic hardship I was not able to make on time payments and defaulted on the loan. Subsequently I was sued by XXXX XXXX XXXX XXXX XXXX. Over the last 18 years the account was sold multiple times to different debt collectors moving beyond the statues of limitations on collection. 

However in XXXX the loan was paid in full. Then in XXXX I started to receive notices that loan went back to the original owed amount with a huge amount interest. I tried to fight this rigorously However I could not afford an attorney to help me litigate this issue. 

I am writing this complaint today because I have been notified of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX was sued the CFPB and lost at the Supreme Court on this matter. However this account is still being actively used by a representative of XXXX XXXX XXXX XXXX XXXX, named XXXXXXXX XXXX XXXX XXXXXXXX 

XXXX XXXX XXXX XXXX XXXX was found to be in violation of the following : Sued consumers for debts the Trusts could not prove were owed : The Trusts unlawfully filed thousands of cases although they did not have or could not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Filed false and misleading affidavits : In numerous instances, affiants claimed personal knowledge of the student loan debt they did not have. In some cases, the Trusts misrepresented that affidavits were properly notarized when they were, in fact, not. 

Attempted to collect after the statute of limitations expired : The Trusts unlawfully misrepresented that they had a right to collect time-barred debts after the statutes of limitations had expired. 


I ask that the CFPB assist in this matter and demand all those affected by this violation have the accounts dissolved immediately and compensation awarded in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit score was mishandled by Experian or a imposter there of. My current score is not my previous before this misunderstanding etc. I dont know how my identity has been manipulated via web. My previous credit score was over XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I got a message from XXXX XXXX that I had a hard pull on my credit. I hadn't signed up for a card in years. I called Capitol One ( a bank I am in no way associated with ) and discovered that my name had been used in the application of the account. I was put down as an authorized user- not the main owner of the card, so they couldn't give me the name of who opened the account. They said they flagged the account for fraud. 

On XX/XX/XXXX, XXXX XXXX notified me that someone had successfully opened the account with me as an authorized user. I called Capitol One again and had them take me off of that account, delete all my information in their database, and later called back to make sure it was gone. They said that the thieves must have had my name, phone, and social security to add me on as an authorized user- meaning my information was leaked. They reported the account as fraudulent- as of XX/XX/XXXX no charges have been accrued on the card. It might still be in the mail. 

I froze all of my credit at all three credit bureau 's, and also put a fraud alert on all three. I am currently working on disputing that card, but it hasn't shown up on two of my credit reports yet. If it does pop up, I will be disputing it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
I am writing to dispute a collection account listed on my credit report with Equifax, which I believe is the result of fraudulent activity. The account in question is reported as follows : Collection Account : XXXX XXXX XXXX  Reported Date : XXXX XXXXXXXX XXXX Amount : {$3400.00}

Company response to consumer: Closed with non-monetary relief