vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
We had a delinquent account with XXXX XXXX. We paid it off in full. Prior to us paying it off, the debt was sold to Comenity Capital Bank. Since it has been paid off, we have reported every month that we have a late payment of {$0.00}. So they acknowledge that we have paid the account in full, but they continue each month to report a late payment. This is having an impact on our credit. A negative impact. I have written them emails, I have sent them paper copies of the negative impact on our credit rating, they replied with a " nah, we're reporting correctly. '' They're not. 
Then, on XX/XX/XXXX they sent a letter saying they acknowledge the account was paid in full. They wrote to confirm a {$0.00} balance, they said they had shared that information with the three major credit bureau reporting agencies. I was told to use that letter to confirm our XXXX XXXX credit card account status. 

There has been no change in our status, and late payments are reported monthly since XXXX of XXXX when the account was paid in full. 

My wife and I are working desperately to rebuild our credit having come through surviving XXXX, paying hospital bills, and everything else that life throws at you. I am at my wit 's end. I'm trying so hard to work and get things to improve, and this company is preventing that from happening. 

Please, any assistance would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Went to make a payment on the site and there was no longer anywhere to do so. The loan plans were removed and not replaced by XXXXXXXX XXXX and trump

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United PanAm Financial Corp.
State: MN

Complaint narrative:
This lady named XXXX XXXX from United Auto credit has been contacting me, she recently has been threatening me ; telling me that I will be getting sued soon and that they will start to garnish my wages. I would like for all communication to seize. I made a {$100.00} payment through my checking account as of recently even though the account has been charged off since XXXX and no longer records on my credit. I was just scared after she told me those things and decided to give them something so that she didn't ruin my life. I only make {$13.00} per hour at this time with my XXXXXXXX XXXX daughters, we're barely surviving as is. 

I have not gotten a 1099-C after the account charged off, and this is something XXXX didn't bring up either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello. On XXXX I called XXXX XXXX XXXXXXXX XXXX XXXX to settle a charged off credit card for {$400.00}. The settlement was approved by creditor and I immediately made the payment with my debit card ending in XXXX for the agreed amount. I was told by the rep that I would immediately receive a receipt confirmation within XXXX hours via email and I would also receive a letter in the mail. Once I realized after a week or so that I never received an email I called them back and was told by another rep they do not send out emails and I would need to wait for a letter in the mail. I waited and still never received confirmation letter. I called back again and rep told me she would escalate the matter to upper mgmt and they she would send me something stating I paid this account. I never received anything so I called again, spoke to a manager and he told me I needed to be more patient as they have only been in business for 2 years and they are new and it takes time. This information is understandable yet not acceptable for me because I feel like I did my part.. I immediately made the payment when they approved the settled amount the least they can do is send me something stating I paid. They also continue to update the credit bureaus stating I still OWE {$460.00}. The balance should be ZERO! This information even after I have disputed multiple times is affecting my credit score. Again, I have spoke to them multiple times and continue to tell me the letter will ONE DAY be sent but can not give me a definitive timeframe and this is where I have a problem with even an email would suffice. Most creditors usually send something within 10 to 14 days if not sooner confirming payment. I have been as patient as I possibly can but again their lack of professionalism and urgency is hurting my credit. UNACCEPTABLE!

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally opt out of all third-party data sharing under the Gramm-Leach-Bliley Act. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
" The delinquent payments and charge off showing on my credit report from XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX And from XXXX  XXXX XXXX Date opened XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, XXXX act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 2025-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
Debt was a payday loan bought by a debt collection agency. Debt is paid, but would like it removed from credit reports. Debtor agreed to remove from from credit report after paid off. 




Debt collectors may report debts to credit bureaus, which can affect a consumer 's credit score. However, the reporting of debt must be accurate, and any negative items related to the debt ( e.g., late payments, defaults ) will remain on the consumers credit report for up to seven years, unless the debt is disputed and found to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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 was recently reviewing my Credit report and came across a fraudulent account. Please remove this account as it is causing issues with me obtaining credit. Thank you

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 2025-03-15 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: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX using my Citi Bank credit card. However, upon receiving the package, I discovered that the item delivered was a standard edition, not the XXXX XXXX XXXX as advertised and purchased. 

I immediately contacted the merchant 's customer service to report the issue and request a return. I contacted customer service twice in XXXX and twice in XXXX, but I did not receive a resolution. In XXXX, I visited both the XXXX and XXXX XXXX locations in an attempt to return the incorrect item. However, both stores refused to accept the return, claiming that the product received did not match my original order details. 

After receiving no resolution from the stores, I contacted customer service again and escalated my complaint to a supervisor, but the issue remained unresolved. 
Since I did not receive the product I paid for, I disputed the transaction with Citi Bank. However, my dispute was denied despite providing supporting documentation. 

Actions Taken : - Contacted customer service XXXX times ( twice in XXXX, twice in XXXX ). 
- Visited both the XXXX and XXXX store locations in XXXX, but they refused to accept the return. 
- Escalated my case to a supervisor after no resolution. 
- Filed a dispute with Citi Bank, which was denied. 
- Provided supporting documents, including the original order confirmation and photos of the received item, proving that the incorrect item was delivered. 

Attached are the relevant supporting documents : - Initial letter from Citi Bank.

- Response from Merchant.

- Letter to Citi Bank to request proper review of my claim. 
- XXXX letter from Citi Bank. 
- Order confirmation showing the purchase of the XXXX XXXX XXXX XXXX XXXX. 
- Photo of the received item, proving it is the standard edition.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I charged a large rental deposit ( XXXX XXXX  ) on an apartment in XXXX via my Chase XXXX XXXX card on XX/XX/XXXX. Shortly thereafter, I decided to upgrade from a XXXX XXXX card to a XXXX XXXX card. At the end of the lease, the management company returned the bulk of the deposit ( XXXX XXXX  ) back to the original credit card account and the transaction went through on XX/XX/XXXX ( they sent us all the documentation to show that Chase accepted the money. It was linked to the account, not to the card number ). Since the original card had been closed for more than a couple of months, apparently, the money did not get credited to us. I have spoken to numerous customer service agents, who all denied that I ever even had a XXXX XXXX card ( it was purged from the system and they literally have no record of it, even though it had been less than 6 months ago ) before finally connecting with the Executive office, who would not accept our paperwork ( like, literally would not even let me send it ) before saying there was no money credited to us in XXXX ( despite my repeated attempts to tell them it was credited in XXXX ). It has been months and they keep closing the case and we have not received the money and have no where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
The dates dont align with the payments and the payments were made beforehand, which is on time and made in the same month one month XXXX was paid and negotiated to pay the balance in full and there would not be late payments, yet the company did not honor their word or payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I had car insurance from XXXX XXXX company but one they added someone with same last name like mine and increased my insurance money without my permission and when I called them you added this person to my policy they said it's mandatory, I canceled my policy with them and got another policy from different company without any insurance lapse. I didn't get any service or coverage for that money they asked me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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 HAVE BEEN A VICTIM OF XX/XX/XXXX FOR THE PAST 8 YEARS. I HAVE BEEN SEEKING THERAPY IN REGARDS TO THIS MATTER. I HAVE SEEKED MENTAL EVALUATION FOR THE HORRIFIC TRAUMA THAT I HAVE EXPERIENCED DURING THE TIME I HAVE BEEN A VICTIM OF HUMAN XX/XX/XXXX. ATTACHED ARE SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE ON 605C.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in m credit report by [ Experian XXXX of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information 2. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX } while my credit report shows an outdated address of - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX request that [ Experian investigate this matter and provide me with written confirmation once th ipdates have been made. Additionally, I would like to receive an updated copy of my credit report reflectin these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt 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 2025-03-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Debt Collection Agency - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request and Cease and Desist Communication Dear Debt XXXX XXXX XXXX XXXXXXXX XXXX I am writing in response to your attempts to collect a debt from me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ) to request validation of the alleged debt and to ensure compliance with permissible purpose requirements. 

XXXX. Debt Validation Request Please provide the following information regarding the debt you claim I owe : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Original Amount Owed {$8500.00} Amount {$4000.00} Copies of any contracts, agreements, or documents bearing my signature that establish my obligation to pay this debt. 
Proof that your agency is authorized to collect this debt. 

XXXX. Permissible Purpose If you have accessed my credit report in connection with this debt, please provide documentation showing your permissible purpose under Section XXXX of the FCRA. Failure to provide such documentation may constitute a violation of federal law. 

XXXX. Cease and Desist Communication I also demand that you cease all forms of communication with me regarding this matter except for written responses to this letter sent via mail to the address provided above. Any further contact through phone calls, emails, or third-party outreach will be considered harassment under 15 U.S. Code 1692d and subject to legal action. 

This letter does not constitute an acknowledgment of the debt or an agreement to pay it. I request that collection efforts cease until you have fully validated the debt as required by law. 

Failure to comply with this request may result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Debt Collection Agency - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request and Cease and Desist Communication Dear Debt XXXX XXXX XXXX XXXXXXXX XXXX I am writing in response to your attempts to collect a debt from me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ) to request validation of the alleged debt and to ensure compliance with permissible purpose requirements. 

XXXX. Debt Validation Request Please provide the following information regarding the debt you claim I owe : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Original Amount Owed {$8500.00} Amount {$4000.00} Copies of any contracts, agreements, or documents bearing my signature that establish my obligation to pay this debt. 
Proof that your agency is authorized to collect this debt. 

XXXX. Permissible Purpose If you have accessed my credit report in connection with this debt, please provide documentation showing your permissible purpose under Section XXXX of the FCRA. Failure to provide such documentation may constitute a violation of federal law. 

XXXX. Cease and Desist Communication I also demand that you cease all forms of communication with me regarding this matter except for written responses to this letter sent via mail to the address provided above. Any further contact through phone calls, emails, or third-party outreach will be considered harassment under 15 U.S. Code 1692d and subject to legal action. 

This letter does not constitute an acknowledgment of the debt or an agreement to pay it. I request that collection efforts cease until you have fully validated the debt as required by law. 

Failure to comply with this request may result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
National Credit XXXX showing on my credit report for the amount of {$530.00}. I have sent numerous letters to this entity as well as XXXX to have the debt verified with no response from National Credit XXXX or XXXX refusal to verify the debt and have it removed. This debt does not appear on my XXXX XXXX or XXXX reports. Also debt is reflecting in accurate information. If the debt can not be verified it must be removed according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on 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 Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation