vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Home Depot stating that I had a minimal payment due on my credit card. Since I had not made a purchase with that card for over XXXX months, I logged into my account. Upon logging in, I noticed over XXXX charges that I did not make, all from a different state and all related to Home Depot purchases.

I immediately contacted Home Depot ( Citi ) to report this issue. When I inquired about the payment due, they confirmed that I needed to make it, despite the fact that I was not responsible for the charges. Feeling this was unjust, I made the payment, only to be later charged a late fee when I was not actually late. 

I requested confirmation of the investigation into my claim, but they informed me that they could not provide a confirmation number or send an email verifying that the investigation was underway. The next day, XX/XX/year>, I called again to see if I could reach someone else. I was told not to make any further payments and that the investigation was still in process. I asked for proof of this investigation, but once again, they said that they could not provide any. 

I also inquired about the late fee and was advised not to worry, as security would call me within 30 days. I explained that by that time, I would have a 30-day late mark on my credit report, but the representative reassured me not to be concerned. I asked again for something in writing, and they refused to provide it.

Home Depot ( Citi Cards ) has denied my request for any proof of an investigation, disregarded my concerns about unauthorized access to my personal information, and neglected the potential impact on my credit score. This is why I am seeking help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Im filing a complaint because i was told that with a police report that this fraudulent account would be blocked within 4 days and they havent done that. In accordance with the FCRA they are required to block this item

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$530.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1900.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance, credit usage, and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 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:
This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance, credit usage, and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I was notified out of the blue via my credit monitoring service XXXX, that I have a Potentially Negative-Major Derogatory alert found on XX/XX/XXXX regarding a parent plus student loan for my daughter. Loan was through Great Lakes which closed and was now under NELNET they did not have any account number. When I called NELNET they advised me all loans are now under XXXX. Balance amount is {$2000.00}. Information from NELNET states open date XX/XX/XXXX. When I called NELNET I was advised this was for a student loan back in XXXX. In my divorce decree of XXXX XXXX my ex husband is responsible for the Great Lakes Loan which he has paid. In the meantime my credit scores have gone down from the XXXX 's to the XXXX 's. They are saying I am 120 days late on payments. I have never received ANY notifications about this until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I requested removal of PMI based on LTV ratio on XX/XX/21. An appraiser was sent by Rocket Mortgage to appraise the property and his evaluation put the property value at {$920000.00}. 

On XXXX, I received a notice of denial on the premise that the value needed to be at {$920000.00} ( LTV of 75 % ). 

I disagreed with their reason for denial as I'd received multiple docs from them saying my LTV needed to be 80 %. Additionally, the county appraised the property value at {$960000.00}. My payments have always been on time and I am not a high risk borrower and so I pleaded with them to reconsider their initial position based on all these, but instead they sent me a defiant email. 

I believe these mortgage companies take advantage of individual borrowers by burdening us with unnecessary additional payments. It shouldn't be allowed to continue to happen as they already make excessive profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, TransUnion, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report one fraudulent account on my Experian, TransUnion, and Equifax credit reports due to identity theft. This fraudulent loan account was opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. As a result, multiple fraudulent hard inquiries and collections have appeared on my credit reports. I demand the removal of this account and all related collection activity under my rights in the FCRA and FDCPA. Additionally, I request the deletion of fraudulent inquiries, including XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Please take immediate action to correct these inaccuracies within 4 days of receipt or provide proof that the FTC contacted to verify this information. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-17 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: PA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX NOTICED MULTIPLE HARD INQUIRES ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME, I ASK THAT THEY BE REMOVED IMMEDIATELY TO CORRECT 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 2025-03-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica

Complaint narrative:
My Claim was denied, when the automated teller machine ( ATM ) did not dispense the cash for my last transaction at XXXX XXXX  ATM. 
ON XX/XX/year> I went to XXXX XXXX  XXXX XXXX XXXX ( ATM ) in XXXX XXXX, and did XXXX transaction, separately. 
The XXXX transaction of {$250.00}, equals to XXXX XXXX XXXX. The ATM dispensed the cash. 
Also the XXXX transaction, the ATM dispensed another {$250.00} equals to XXXX XXXX XXXX. 
The XXXX transaction of {$250.00} equals to XXXX XXXX XXXX, The ATM didn't dispensed the cash. 
I went into the XXXX XXXX, and reported what happened. 
XXXX XXXX, told me to allow 24 hours and my XXXX XXXX card account will be accredited. 
On the XXXX, I checked my XXXX XXXX card account, and it was not accredited. XXXX XXXX, told me to report the matter to XXXX XXXX. 
On the XXXX of XX/XX/year>, I filed a claim with XXXX XXXX. Today XX/XX/year>, I called XXXX XXXX, and they denied my claim. 
They closed my XXXX XXXX card, and told me to call them and requested a new card. My XXXX XXXX card was ok, and I didn't asked XXXX XXXX to close my card. 
I have all documents, I will submit them when requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
I am currently filing a complaint against CASHAPP. ( Block , INC ) due to inadequate consumer service and unfair practice, which violate the CFPA. Specifically, CASHAPP failed to take timely and effective measures to prevent and address fraud in 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 EFTA and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate action for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Company Name : XXXX XXXX XXXX - Account # : XXXX - Reporting Balance : {$11000.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: SC

Complaint narrative:
Hi- I received an email to open a Morgan Stanley checking account through E-trade in Early XXXX. Within the email, Morgan Stanley offered a welcome offer of {$250.00} to open the acct if stipulations on the bonus offer. Ive copied the email I received from Morgan Stanley stating I didnt qualify, yet I completed all the required criteria to receive the bonus. When I talked to a customer service representative today, they said an agent probably reviewed it and declined the bonus as they can deny the bonus for any reason at the banks sees fit even if the all qualifying criteria were met for the bonus. This is deceptive and abuses practices by the bank in picking and choosing when and who they see fit to pay a bank bonus when I completed all requirements in their terms and conditions. Please review and advise if any steps can be taken as I did my part in depositing money and direct deposits as part of the offer and yet received nothing from Morgan Stanley in arbitrarily denying me for the bonus with no explanation. Please see attached email Ive received denying the bonus, in addition to an earlier a month earlier stating my account was eligible based on Direct deposit. Also attached banking transactions showing my acct met all qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 explanation
Consumer complaint received 2025-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America received a duplicate balance transfer of {$5000.00} but has failed to return the overpaid amount. I have been unable to reach a human for resolution. Immediate action is required

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 2025-03-17 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX inaccurately reported XXXX late payments on my private student loan accounts. These reported delinquencies are incorrect and have caused significant harm to my credit profile. 

On XX/XX/XXXX, I formally disputed these inaccuracies with both XXXX XXXX and the three major credit bureaus ( XXXX, Equifax, and XXXX ). I provided clear documentation, including payment records, demonstrating that these late payments were incorrectly reported. Despite my formal dispute, XXXX XXXX failed to correct the inaccuracies or provide valid documentation supporting their reporting. 

I followed up multiple times with XXXX XXXX and the credit bureaus, yet the erroneous late payments remain on my credit report. This failure to correct the issue has resulted in financial hardship, including denied credit applications, increased interest rates on existing accounts, and potential loss of housing opportunities. 

I am requesting immediate action from the CFPB to ensure that XXXX XXXX removes these inaccurate late payments from my credit reports within XXXX days. If XXXX XXXX can not verify the accuracy of the reported delinquencies, the entire XXXX XXXX account must be deleted from my credit report to prevent further harm. Additionally, I seek a formal confirmation from XXXX XXXX and the credit bureaus stating that my credit report has been fully corrected. 

If this matter is not resolved within the requested timeframe, I will escalate the issue further through legal action under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). This complaint requires urgent attention to prevent continued financial harm.

Company response to consumer: Closed with non-monetary relief