vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Sine XX/XX/XXXX I have been complaining of missing payments. CitiCards closes the complaints and does not investugate. They asked me to trace the money orders and I did to a cost of over {$120.00}. because they insisted they do not have the money orders or provide information. 

Today XX/XX/XXXX, after they repeatedly told me that they do not have the money orders, they posted the transaction they posted 4 money orders with a posting date of XX/XX/XXXX and they refuse to reimburse me my expenses ( ie. the money I paid to trace the money orders they claimed they do not have. ) In addition, they have a money order payment that they collected on XX/XX/XXXX that they refuse to post to my account

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 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I was enrolled in automatic payments for my federal student loan prior to the COVID-19 forbearance period. During the pause, auto-debit was suspended. When payments resumed, I was not notified by my servicer that auto-pay would not restart automatically. As a result, I unintentionally missed three payments and was marked 90 days delinquent on my credit report. 

I brought the account current as soon as I discovered the error. Ive contacted the loan servicer, but they have refused to remove the late payment. I believe this negative mark is the result of a failure in communication and servicer procedures, not intentional nonpayment on my part. I am requesting the CFPB 's assistance in reviewing this matter and encouraging the servicer to make a one-time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit 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 2025-04-10 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MA

Complaint narrative:
There are multiple fraudulent accounts on my credit report that I did not authorize, open, or have any involvement with. These accounts are a clear case of identity theft or reporting error, and I demand their immediate removal and a thorough investigation. I will not tolerate false or damaging information being reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MA

Complaint narrative:
There are multiple fraudulent accounts on my credit report that I did not authorize, open, or have any involvement with. These accounts are a clear case of identity theft or reporting error, and I demand their immediate removal and a thorough investigation. I will not tolerate false or damaging information being reported under my name.

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 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was approved for a XXXX XXXX credit card - backed by Comenity Bank- on XX/XX/XXXX to purchase my fianc an engagement ring totaling {$1200.00}. On XXXX, I was charged a " Promotional Plan Fee '' of {$25.00} which I had not expected, but I'm sure was in the fine print somewhere, and paid the amount of {$100.00} towards the card the day after on XX/XX/XXXX. My minimum payments were estimated to be in the mid {$40.00} 's per month. On XXXX, since I had forgotten to sign up for automatic payments, was charged a {$30.00} late fee for XXXX, understandably, but paid that plus {$57.00} for a total payment of {$87.00} on XX/XX/XXXX. To the best of my memory, that is when I finally enrolled in automatic payments for the minimum balance due each month. 
I was not drafted any payments in XXXX, but instead on XXXX had the entire remaining balance of {$1100.00} deducted from my account - without my consent or knowledge - plunging my checking account into the - {$600.00} and counting, accruing {$25.00} NSF fees for every automatic bill pay I have set up. 
I called Comenity, and the first representative I spoke to could not explain why, and that my monthly payments are {$41.00}. I requested a refund of the unapproved deduction, and it was stated that my account was not eligible for " electronic refund '' and had to be a paper check, with an est. 2 week delivery. I asked for a supervisor to which I was transferred, and asked the same questions. I got absolutely no different answers. To the " why did this happen '', It was " I don't know '' and to the " If you can withdraw electronically, how can you not refund electronically '', I got " I don't know. '' When I tried to send a message on the " XXXX XXXX '' site for them, it would not submit due to some " error '' after I'd attached screenshots of what they'd done to my bank account. Over {$120.00} in NSF fees so far, unsure where it will be 2 weeks from now. I will continue to try for more senior employees to answer my questions, but at this point, Comenity bank operates in an unacceptable way, ruining my own, and likely others - financial situations. Never, ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-10 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. - A copy of my Identity Theft Report and proof of my identity. - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2025-04-10 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: Experian Information Solutions Inc.
State: CA

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 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 2025-04-10 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: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I've list in my affidavit be removed within four ( 4 ) business days of receiving this notice, in accordance with the FCRA 605B.

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 2025-04-10 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: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I've list in my affidavit be removed within four ( 4 ) business days of receiving this notice, in accordance with the FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S. C. 1681s-2 a furnisher must report accurate information under 15 U S.C 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-04-10 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I am in psfl with XXXX payments being counted. However they have not counted close to the last year of payments. The department of education told me they have not received receipts for payments from services in close to a year. When I contacted the servicer and I waited total for XXXX hours on hold, was transferred, and the person they transferred me to XXXX XXXX and never returned before just after asking g my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-10 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: TX

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX weeks ago I got a notice that my credit card account with Capital One had been restricted. I spoke with customer service and they said I needed to upload several documents to clear the restriction. I uploaded all of the documents as requested. The called me this week to notify me that ( a ) all documents were received ( b ) all documents were accepted and validated and ( c ) the case is now closed. 

However, the restriction was not removed. I spoke with customer support yesterday and they said " The system isn't refreshing your case status. Please wait XXXX hours and call back if the restriction isn't removed. '' I called back today and was told, your case has been closed, but you need to submit the following documents. They gave me the same exact list of documents I already provided. 

What is really going on here is Capital One is currently offering a XXXX bonus mile promotion for new accounts. However, by restricting the account, you CAN'T USE IT, meaning you will NOT get the bonus miles. 

This is an unethical ploy to get people to signup for the card, use, then they restrict the account so ( a ) it accrues interest but ( b ) you don't get to use any benefits! 

I also asked them to escalate the issue to management, AND THEY REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My American Express account ending in XXXX was closed in XXXX of XXXX. Amex has continuously reported this account incorrectly to all XXXX  credit bureaus. This account Is being reported as open/late instead of closed/charged off. I have received almost XXXX late payment reports which has caused a significant drop in my XXXX XXXX. Amex has refused to re-age my account so that it reflects accurately to the credit bureaus. I was a member with Amex since XXXX and was unable to maintain payments due to XXXX effecting my employment. Consumer law states that companies are obligated to report accurately and Amex has consistently refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal has a prequalification tool that you can fill out and find out what cards you may be prequalified for without any hard credit checks. But based on my own experiences and experiences of others that I know, most of the time when pre-qualified using that tool, you are denied when submitting the actual application and left with a hard inquiry on your account. The prequalification tool is pretty much useless and misleading, and making consumers believe that they have a potential chance to be approved for a card when Navy Federal has no intentions of approving an actual application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation