vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: EdFinancial Services
State: KY

Complaint narrative:
On XX/XX/XXXX, I filed a complaint ( # XXXX ) on Edfinancial because they had not submitted six months of student loan payments to XXXX between XX/XX/XXXX and XX/XX/XXXX, for my loan account. On XX/XX/XXXX, I received their response to my complaint stating, Our review of your student loan account determined that your PSLF qualifying payment count displayed on your XXXX account did not reflect all your payment history. Upon reviewing the XXXX XXXX XXXX XXXX XXXX ( XXXX ), which provides detailed information regarding your federal student loans, we identified that your qualifying payments toward the PSLF Program from XX/XX/XXXX through XX/XX/XXXX were incorrectly marked as ineligible despite your {$8400.00} payment that was processed on XX/XX/XXXX. We have updated our records and have submitted the eligible payments to be updated in XXXX. 
Im very thankful to be finally be receiving credit, but the response states that payments between XX/XX/XXXX through XX/XX/XXXX were incorrectly marked as ineligible but XX/XX/XXXX is also missing/ineligible and I included XX/XX/XXXX as one of the missing payments in my complaint. So if Edfinancial stopped their review at XXXX of XXXX, that means that they did not address XXXX of XXXX. Also, to make the situation even more puzzling, the response to my last complaint did not tell me which specific months were updated as eligible and submitted to XXXX. Because of this, I have no idea if all of the months that are missing were reviewed, updated as eligible and submitted. After receiving the response, I called Edfinancial for this missing information, but I was told by the representative that all they could see on my account, was a note stating the exact same response that I received. Which means that even by calling Edfinancial, I can not obtain information on exactly which months were submitted. And because it will take XXXX days for that update to be reflected on the FSA website, that information could potentially not be available to me until after I make what is supposed to be my XXXX payment, in XX/XX/XXXX. With my last payment approaching, exact months need to be known so I know if my account will be correctly credited with all six missing months of PSLF credit. So with this complaint, I am asking that XXXX of XXXX be reviewed, marked as eligible and submitted to XXXX. Also, in the response to this complaint, I am requesting that Edfinancial list exactly which months, specifically by name, were submitted to XXXX as eligible payments after my last complaint. As documentation for this complaint, I am including a copy of complaint # XXXX for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to inform my concerns regarding Zelle handling of disputes, particularly in light of recent CFPD lawsuit highlighting significant issues with platform. Despite using Zelle numerous of times my financial institutions & Zelle failed to investigate my claim. They informed me that discovering lost funds was impossible & tracking these transactions was unfeasible Zelle has not only neglected to protect consumers but has also allowed repeat offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been a loyal Citibank credit card customer for over two years and have always paid my balance on time without any history of late or returned payments. 
On XX/XX/year>, I made a payment toward my credit card balance. The payment was successfully processed, the funds were debited from my checking account, and the amount was credited to my Citibank credit card account. I was also able to use the available credit afterward. 
However, on XX/XX/XXXX, the payment amount was re-credited to my checking account, and I noticed a {$30.00} returned payment fee charged to my Citibank card. I immediately contacted both Citibank and my checking account bank to understand the issue. 
My checking account bank confirmed that the payment was processed successfully on their end and advised me to follow up with Citibank. I have since contacted Citibank multiple times, but I am repeatedly told that the payment did not cleardespite having clear proof from my bank showing that it did. 
This has caused unnecessary frustration, and I believe the {$30.00} fee was charged unfairly. I am requesting the immediate reversal of this {$30.00} returned payment fee, as well as an investigation into the error that led to this situation. 
Due to this experience and the lack of resolution despite my efforts, I also request that my Citibank credit card account be closed immediately after this matter is resolved. I no longer wish to continue banking with an institution that mishandles payments and then holds the customer responsible for system errors. 
I have all documentation ready and am willing to provide it upon request. Please treat this matter with urgency and respond as soon as possible. 
Sincerely

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX 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 2025-10-06 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and failed to investigate my claims adequately. The informed me that investigating lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs Finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
BofA wrongly offered their defective advantage plus product it's ineffective, when BofA disabled the cvv code and for the sole purpose of tap only., especially without the account holders knowledge is harmful for example, strapped in a snow storm, no place to tap or swipe, can't get airtime over the phone because bofa knowingly disconnected the advantage plus debit cad XXXX digit code, voluntarily.

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 2025-10-06 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dear Goldman Sachs Bank, I purchased an Apple Watch on XX/XX/year>, and received it shortly after. I returned the watch to Apple because it was not working properly. After XXXX confirmed delivery to Apple, I was initially told that Apple could not locate the returned device. Due to this, I contacted Goldman Sachs Bank to place a hold on the funds related to the purchase.

Approximately one week later, Apple confirmed receipt of the returned item and issued a full refund to my account. I immediately contacted Goldman Sachs Bank to request that the hold on the funds be released, which was done. However, despite the refund being applied, the installment plan remains open on my account. 

This is the second time this year I have experienced this issue. In every prior return, the installment plan has automatically closed upon refundtypically before I even leave the store. Since then, I have contacted your support five to ten times regarding this issue, and each representative has provided inconsistent information. Some agents have incorrectly claimed it would violate federal law to close the installment, while others have escalated the case to other departments for approval, yet no resolution has been provided. 

At this point, the credit is already on my account, and I am requesting that Goldman Sachs Bank close out the installment plan associated with this refund. If this can not be completed directly, I request that the refunded funds be sent to my linked bank account so I can close it manually. 

Please note that I no longer wish to be contacted by phone. I request that all further correspondence be made in writing for documentation purposes. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid off a capital one card in full. XXXX XXXX put the status as a charge off/collections. This isnt true, I called capital one and they said its suppose to be say paid in full. Ive done so many disputes but TransUnion claims theres nothing they can do and that information is right. I also paid off my XXXX, XXXX, XXXX, XXXX credit cards and yet absolutely no update on those whatsoever. I need to get into an apartment but I cant do that because the credit bureaus refuse to update my credit score but have no problem giving me negative points and feedback the same day.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX : Came home from summer job to see a parcel addressed to me with 2 phones and 2 3 Simcards. Called my bank, my mum contacted XXXX and i made an action fraud report. XXXX told us that it was a new scam as later that day someone came to our house around the times XXXX claiming to be my friend from college which was a lie as i was home from university for summer break we phoned the police and told him to leave as we had no idea who he was and at this point i think he realised we had called the police as he promptly ran down the street and disappear and havent seen that individual since.Bank advised me to come into XXXX and close my account. Contacted 3 and they said the phones werent there problem and came from a company called XXXX and after getting into contacted with them set up collection for these 2 phones this is when someone in a XXXX  from the company came and collected them and at that point i had totally forgotten/ thought the situation was finished. I have tried multiple times to dispute the incorrect/fraudulent charges on my credit report but i always come back to the same outcome of 3 claiming that the phone contracts aren't fraud and that they are legit which after trying to explain everything they just either come to same response or do an investigation to which i ever here anything from. As of XXXX i went into a 3 store to try and get some Information or to resolve the matter i was provided with account numbers and the price the contracts had racked up before 3 seemed to have closed them the total for both the contracts comes out to XXXX will provide account numbers if requested but it says not to include them. Thats all the information i feel i can provide and don't know what else is needed but please contact me if you needed anything else and i will try and provide to the best of my ability

Company response to consumer: Closed with explanation