vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am filing a formal complaint against U.S. Bank, XXXX Branch ( XXXX XXXX XXXX XXXX ) regarding their unlawful and excessive hold on my deposited check, which has resulted in severe financial harm. 

Incident Details : Bank Name & Branch : U.S. Bank, XXXX, NC ( XXXX XXXX XXXX XXXX ) Date of Deposit : XXXX XXXX, 2025 Initial Hold Release Date : XX/XX/year>2025 Extended Hold Date : XX/XX/year>2025 Further Extended Hold Date : XXXX XXXX, 2025 U.S. Bank originally quoted me a hold release date of XX/XX/year>2025, but they have unreasonably and repeatedly extended the hold without justification. Despite multiple attempts to resolve thisincluding phone calls, using their virtual assistant, and speaking directly to the banker who processed my depositthe bank refuses to release my funds. 

Severe Financial & Emotional Impact : Because of U.S. Banks wrongful withholding of my money, I am at risk of losing all of my belongings in my storage unit, as I can not withdraw the funds necessary to make the required payment. This situation is causing me extreme emotional distress, financial hardship, and irreparable damage to my personal and professional life. 

Attempts to Resolve : I have : Called U.S. Banks customer service. 
Used their virtual assistant. 
Visited the branch and spoke to the banker who processed my deposit. 

Each time, I have been denied access to my own funds, despite the fact that the initial hold period has expired.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have never lived at the address on file, I have only lived at the current address XXXX XXXX XXXX XXXX XXXX XXXX since I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: VA

Complaint narrative:
This was my original complaint against the owner of the private loan XXXX XXXX XXXX XXXX XXXX ) who still is the owner but they passed the buck off to the loan servicer ( Mohela ) who does not own the loan, they only service it : I filed for a XXXX XXXX  bankruptcy in XXXX of XXXX and it was granted in May 0f 2021. XXXX was included on the bankruptcy and was sent the information from the bankruptcy court stating my bankruptcy was granted. XXXX however did not discharge the private loan and continued collecting on it. From XX/XX/XXXX thru XXXX of XXXX I paid approximately {$1300.00} in payments to XXXX. Had they discharged the loan when they received the information letter from the bankruptcy court I would not have paid this amount. I am requesting a refund of the monies paid to XXXX from the time period stated. Since the bankruptcy my loan will be discharged thru XXXX 's XXXX misconduct discharge, however like I stated it should have been done back in XX/XX/XXXX when they received the letter from the bankruptcy court.

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: GA

Complaint narrative:
I have discovered unauthorized accounts listed on my credit report that I have no association with. This is not only unjust but also deeply troubling. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and complete credit report, and these inaccuracies should not be negatively impacting my financial standing. I demand a thorough investigation and immediate correction of these errors. Should this matter not be resolved to my satisfaction, I will be forced to take legal action to protect my rights.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
I was charged three times the original rate I would like a refund I will never stop asking, stop your fraudulent advertising XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I want to use my Amex gift card that I received as a gift. Can not find any store or online merchants that accept this.

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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts listed on my credit report that I have no association with. This is not only unjust but also deeply troubling. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and complete credit report, and these inaccuracies should not be negatively impacting my financial standing. I demand a thorough investigation and immediate correction of these errors. Should this matter not be resolved to my satisfaction, I will be forced to take legal action to protect my rights.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters requesting the deletion or removal of the Bankruptcy information listed on my credit report. The last letters where sent XX/XX/year>. In Summary the letters stated " I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ) .I am demanded to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
I did not provide any written instructions to report this information, and no consent is present. Ive also filed an FTC report for FTC Report 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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX sent a letter to Midland Credit Management.

Midland Credit Management has discriminated against because It is my FEDERAL RIGHT to DEMAND TO REDEEM IN LAWFUL MONEY IN PURSUANT OF TITLE 12 U.S.C. 411.

Title 12 U.S.C. 324 requires member banks and Federal Reserve Banks to comply with lawful money redemption demands. This gives me the right to demand the redemption of FRNs for lawful money and ensures that my account transactions are properly processed. 
All banks and thrift admitted to membership under authority of this section shall be required to comply with the reserve and capital requirements of this chapter, to conform to those provisions of law imposed on national banks which prohibit such banks from lending on or purchasing their own stock and which relate to the withdrawal or impairment of their capital stock, and to conform to the provisions of sections 56 and 60 ( b ) of this title with respect to the payment of dividends ; except that any reference in any such provision to the Comptroller of the Currency shall be deemed for the purposes of this sentence to be a reference to the Board of Governors of the Federal Reserve System Failure to comply with this demand will lead to escalation to the Comptroller of the Currency, as outlined in 12 U.S.C. 324 and FEDERAL LAWSUIT for DISCRIMINATION against Title 12 U.S.C. 411.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$86.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 2025-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mortgage One Funding LLC
State: CA

Complaint narrative:
I need the company to transfer the appraisal to a new company. I paid for the appraisal. The company is refusing to do this because they claim I owe them {$200.00}. I was never aware of this fee up until today, when I told them I would submit the complaint. 

This company is very misleading, confusing, and not to be trusted under any circumstances. They lie throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I paid a deposit for braiding classes for my child and myself. The person hosting the classes gave me the run around in regards to the time the class was starting and I needed to travel 2 hours away so I was trying to communicate so I would ensure I gave myself enough time to arrive, the host completely changed the start time of the session and I made her aware my babysitter was not going to be available that late, the host said ok she would be refunding my money. I never received the refund and reached back out she informed me to contact the bank, I contacted them and my dispute was denied. 

On XX/XX/XXXX I made a payment to Al 's auto show for my children to sell their lemonade upon arrival there were multiple other lemonade host so we broke down and spoke with Al who stated he would be refunding the money, with multiple attempts to solve this issue I have not heard back from Al and my disputes have been denied as well. 

Lastly, after continuously filing disputes my account with cash app has been closed with no reason as to why it was closed.

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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$1000.00} cash with the teller at Citibank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). The {$1000.00} showed available in my checking account but the status was pending. However, after XXXX weeks, when I check my account, the {$1000.00} deposit record is completely gone. 

On XX/XX/XXXX, I filed a case with their customer service. 
On XX/XX/XXXX, I visited the branch. The banker there didn't see any data entry regarding the {$1000.00} deposit. However, they have camera in the branch. I immediately called their customer service to make sure when they investigate, they look into the camera On XXXX  XXXX, I called their customer service again. They said they haven't made progress on my case and asked me to mail back the original copy of the receipt. They can not disclose any detail and didn't tell me whether they checked video The receipt currently is the only evidence in my hand that showed I have made an deposit. I felt uncomfortable to hand over the original copy. Meanwhile, it's cash deposit with teller. They should be able to check with the teller, the camera or internal record for errors. 

The attached is my receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-21 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: TX

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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