vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address your failure to maintain fair and accurate credit reporting, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, consumer reporting agencies are obligated to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past several months, you continue to report inaccurate and unauthorized information without providing any proof of the verification methods used. This failure to comply with FCRA guidelines is both unacceptable and a violation of my consumer 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 2025-02-11 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: IL

Complaint narrative:
The Credit Bureaus has failed to fulfill its legal obligation under the FCRA to conduct a proper reinvestigation of disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issuing 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 the credit bureaus have neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Equifax and XXXX continue to violate federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I signed up for this company and they told me that they can fix my credit or higher. My credit score within a certain amount of time and it did not happen and I have a bunch of stuff on my credit report that its in my and they said they will take care of that, but they did not.

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 2025-02-11 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: OH

Complaint narrative:
Subject : Formal Complaint Against XXXX for Incorrect Reporting of a Closed Account as Open Dear XXXX Dispute Department and XXXX XXXX I am formally filing a complaint regarding an error in my credit report that is negatively affecting my Debt-to-Income ( DTI ) ratio and my ability to secure a mortgage. Specifically, XXXX is reporting an account KIKOFF INC xxxxxxRXFG as open, despite the fact that this account has been closed. 

This inaccurate reporting is significantly impacting my financial profile by inflating my outstanding obligations, which in turn harms my XXXX ratio and directly affects my mortgage eligibility. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to maintain accurate and fair reporting practices, and this misrepresentation of my account status is a clear violation of that requirement. 

I request an immediate investigation into this issue and demand that XXXX correct my credit report to reflect the true status of the account as closed. Additionally, I ask for a written confirmation once the correction has been made. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities to ensure compliance with federal credit reporting laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

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 XXXX 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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
an account was open in my name allegedly and bank of america said there were suspicious transactions going on with the account. When I asked them the amount owed they said XXXX dollars. Not sure why they reported me to 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I filed XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> due to hardship. Now that we have a new president and someone taking over my personal records I do not feel comfortable paying without knowing what is going to happen next

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear SirXXXX Madam, XXXX has failed to correct account ( ID : XXXX ) with inaccurate information of not properly investigating the case via 15 USC 1681i ( 6 ) ( B ) 3, and also reinsertion account to my credit report without ap 15 USC 1681i ( a ) ( 5 ) B. 

I received a copy of payment history and documentation of E-sign consent from Zuntafi Corp ( XXXX ). And their continuation to report to all XXXX national credit bureaus as dispute. 

payment history and documentation of E-sign consent does not prove validation to collection of debt, without debt validation with " wet ink Signature signed '' according to Fair Collection Practice Act ( 15 USC 1692 et seq ) and also not answering to insurance claim on account ( ID : XXXX ) by Zuntafi Corp. 

XXXX is still reporting this account on my credit report without proper investigation of validating debt. 

Attach is my correspondence with XXXX XXXX with notice to cease/ desist and declaration that I sent.

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 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Hello, I became a customer of XXXX because they claimed to offer great service and internet access in an area with few other options. A representative came to my home and ensured me that I could try their new product risk free. If it did not work well, I could return it and not have to pay single XXXX. I tried their mobile internet XXXX service, all in XXXX, hotspot. It unfortunately did not work well in my home, and I requested a cancellation. This should have been a simple return. 

In the documents attached, I have an official email correspondence dated XX/XX/2024, titled " XXXX, XXXX been charged for unreturned equipment. '' It reads " Since you havent returned the XXXX XXXX XXXX equipment shown below, your account was billed as per the details below. Dont worry. Well issue a full refund if you return this equipment within 30 days of this email Equipment Description : XXXX XXXX XXXX XXXX Cost if unreturned : {$200.00} " This email is dated XX/XX/2024. This means XXXX explicitly states, in an official communication that they will issue a full refund if I return the equipment within 30 days of XX/XX/2024, the date of the email. 

On XX/XX/2024, which is 1 day after the email stating the charges. I received this official communication titled " XXXX, XXXX received the XXXX XXXX XXXX equipment. '' It reads : " XXXX received the XXXX XXXX XXXX equipment that you returned, so you will not be charged back for that equipment. 

Equipment returned : XXXX XXXX XXXX XXXX '' This means that XXXX received XXXX equipment within 1 day of the email stating that I had been charged. This falls well within the XXXX window of the email from XX/XX/2024, for a full refund. 

In their own words, " Dont worry. Well issue a full refund if you return this equipment within 30 days of this email. '' This email referencing XX/XX/2024. XXXX, I returned the equipment to you well within your window, so now you need to do as you state in your official correspondence to your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Spring oak has been removed from every reporting agency expect Transunion. Spring oak Is linked to a XXXX account that was flagged as fraud due to being paid off and still looking for collections. Spring oak has reported multiple conflicting information on multiple accounts with hopes of bullying for a payment. Spring oak has no accurate information. Account is listed as open and closed at the same time, account information is inaccurate, account dates are fraudulent, account is invalid. 

When disputed agencies have update inaccurate information instead of removing which is a FCRA violation. When told consumer rights had been visited I was told its not are job to verify information its the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 am filing a complaint against XXXX Mortgage XXXX for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later XXXX 's records falsely stated I was offered XXXX contingent on providing a XXXX bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. XXXX 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.

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 2025-02-11 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 am filing a complaint against XXXX XXXX  XXXX for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later XXXX 's records falsely stated I was offered XXXX contingent on providing a XXXX bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. XXXX 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.

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 2025-02-11 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: TX

Complaint narrative:
I am filing a complaint against XXXX Mortgage XXXX for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later XXXX 's records falsely stated I was offered XXXX contingent on providing a XXXX bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. XXXX 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I reached out to Wells Fargo Bank to investigate and secure a refund for several fraudulent charges that appeared on my account. However, I was informed that, according to XXXX regulations, they have the right to deny my request. In an effort to better understand the reasoning behind this decision, I asked for a copy of the specific XXXX  regulations that support their stance. Unfortunately, I was told that Wells Fargo would not provide me with any documentation to review. 

This lack of transparency raises a significant concern for me. Without access to the documented regulations, I feel powerless to dispute these unjust charges and fight for the funds that were taken from my account. If a financial institution is citing a regulation as a basis for their decision, it should be their responsibility to make that information available to their customers upon request. This is essential for verifying the legitimacy of their claims and empowering customers like myself to understand our 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA
State: IL

Complaint narrative:
My personal, private, identifying information ( PII ) was breached during an alleged " audit '' being performed by the supposed Department of Governmental Efficiency ( DOGE ) and XXXX XXXX. This individual is not an elected, nor vetting or otherwise qualified federal employee, and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on the Department of Education nor any XXXX-parties that they access to my information to protect any of my most sensitive information including, but not limited to my : social security number, birth date, first, middle, and last name, former and current residences, former and current employment, and financial date. The disclosure of my PII was done without my prior consent and continues to be at risk without any notification from any federal institute or representative. The individuals involved in the current disclosure of my PII have no relation to me or the educational agencies or institutions. I became aware of the data breach the week of XX/XX/year> from an XXXX XXXX and other news articles. I have not received any communications from the department or any other federal entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I spoke to a customer service representative at vivid seat to request a refund and cancellation for an order I had placed one minute previously. The issue with the order was the undisclosed fees of more than a third of the ticket price that I had ordered ( {$110.00} ). I ended up spending almost 33 % more than the face value of the ticket ( {$280.00} ) which is Not represented very well in other locations. When I asked to cancel my order, the representative said that there was no way to do that even though this is embedded in the fine print and I was unable to cancel the order.

Company response to consumer: Closed with explanation