vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint narrative:
I believe the promotion was in XXXX to make deposits totaling more than XXXX and I will receive a {$300.00} promotional bonus well I met all the requirements and XXXX and they told me that I will get my bonus in XXXX  it didn't come so didn't they said XXXX It didn't come then they said XXXX a didn't come then they said XXXX and is still not there and they can't give me any information On when I was received by {$300.00} they keep putting me off To file a dispute which will only delay me getting my money because I have done that already I met my end of the bargain so now it is time for them to pay my money which they want so I decided to contact the CFPB

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 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Nelnet, my federal student loan servicer, for their system failures, misleading account information, and unfair credit reporting practices, which have resulted in an unjust delinquency on my credit report. 

Issue Summary : I made multiple attempts to log in to my Nelnet account to submit a payment, but their system repeatedly stated that I did not have an account. When I attempted to verify my account over the phone using my Social Security number and date of birth, I was still informed that no account existed, preventing me from making a payment or speaking with a representative. Due to this repeated misinformation, I disputed the loan, believing it was not mine. 

Once I finally gained access to my account, I immediately attempted to make a payment. However, Nelnets system would not accept my ATM card and required a routing and account number instead. This caused additional delays while I located my banking information. Once I was able to submit my payment, I paid double the amount due, and my account was current at the time of payment. 

Despite this, two weeks later, my account was reported delinquent. I immediately contacted Nelnet to dispute this inaccurate reporting and escalated my complaint to a representative named XXXX, who informed me that they would not correct the issue. 

Why This Is a Consumer Protection Issue : Nelnets system errors directly prevented me from making a timely payment. 
Their failure to provide reasonable access to account information resulted in unnecessary delays. 
Their restrictive payment processing methods created additional hurdles. 
Despite my good-faith effort to pay on time, Nelnet wrongfully reported a delinquency on my credit file. 
I have successfully managed and even paid off another student loan around the same time with a different servicer, proving that this issue was specific to Nelnets mismanagement.

I believe Nelnets actions constitute predatory loan servicing practices and are unfair to borrowers who are making legitimate efforts to stay current on their loans. Their failure to correct an error that they caused has directly harmed my credit score and financial standing. 



Please confirm receipt of this complaint and inform me of any actions taken. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate corrective action regarding an account from XXXX XXXX XXXX XXXX XXXX that is being inaccurately reported on my Equifax credit report. This account does not belong to me, and Equifax has failed to properly investigate and remove this erroneous information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Background & Violation of My Rights XXXX XXXX Has Confirmed They Are Not Reporting This Account to Equifax I personally contacted XXXX XXXX XXXX and they confirmed that they have not reported any account in my name to Equifaxpast or present. 
This confirms that the information Equifax is reporting did not come from XXXX but rather from an unauthorized or inaccurate third-party source. 
2. Equifax Is Acting in Bad Faith by Using False Third-Party Data Since XXXX has not reported this account, Equifax is illegally using information from a third-party source and falsely attributing it to XXXX. 
Equifax is knowingly acting in bad faith by failing to conduct a proper investigation and continuing to report false information that is damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Heres a formal complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Regarding Failure to Issue 1099-C for Charged-Off Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Comenity Capital Bank regarding their failure to issue a 1099-C Cancellation of Debt Form for my Ulta Beauty Rewards Credit Card Despite multiple attempts to resolve this matter directly with Comenity Capital Bank, they have refused to provide the required tax document in accordance with federal law.

1. Background of the Issue My Comenity Capital Bank account was charged off on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In their written response dated XX/XX/XXXX, Comenity Capital Bank stated that a 1099-C tax form is not required because the charge-off does not equate to debt forgiveness. 

However, according to IRS regulations under 26 U.S. Code 6050P, creditors must issue a 1099-C form when a debt of {$600.00} or more is discharged, canceled, or written off as uncollectible.

2. Violation of IRS Reporting Requirements Comenity Capital Bank has failed to issue the required 1099-C despite confirming in writing that the debt was charged off and removed from their books. If Comenity considered this debt uncollectible for their own accounting and tax purposes, they are legally obligated to issue a 1099-C to both me and the IRS. Their refusal to do so violates federal tax laws and creates potential tax complications for me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX XXXX XXXX XXXX I submitted my payment in full ; however, due to the early closure of XXXXXXXX XXXX for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX XXXX, I respectfully submit that it is unjust to penalize me for a payment that was made on time.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
I called the company, and there was a XXXX that talked to him and sent my information very correct, and I never applied for a mortgage before and even have my name and information and even consent to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called the company, and there was a XXXX that talked to him and sent my information very correct, and I never applied for a mortgage before and even have my name and information and even consent to run my credit

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called the company, and there was a XXXX that talked to him and sent my information very correct, and I never applied for a mortgage before and even have my name and information and even consent to run my credit

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Here is my fraudulent inquiry : XXXX XXXX XX/XX/year>

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX. On XX/XX/XXXX, I submitted my payment in full ; however, due to the early closure of XXXX offices for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX system, I respectfully submit that it is unjust to penalize me for a payment that was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
As USAA cites in their response to complaint XXXX, I requested two open disputes be withdrawn on XX/XX/year>. As of writing this, they not only remain open but, are the sole reason my account remains open and the funds that are rightfully mine, are kept from me. 

As I initiated the disputes, they should be immediately withdrawn at my request. 

As such, my account closure would not need to be delayed any further. 

USAA is intentionally delaying closure of my account without just cause.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Proper re-investigation was never received. I sent a dispute letter regarding the reinsertion of an inaccurate account on my credit report via certified mail. To reinsert an inaccurate account on my credit report is a violation of my consumer rights. I demand that this account is removed from my credit report immediately, as it was reinserted without proper notification and you can not verify that the re-insertion was done in accordanc with the law, Section 605 ( b ) and 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) of the Fair Credit Reporting Act. Please see the attached documents as verifiable proof that an account was removed and reinserted without proper notice. I also filed an FTC report on the matter already. This account should be removed expeditiously. Account Name : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation