vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XXXX, I used my Best Buy Visa card to finance a laptop purchase under what I understood to be a 0 % interest promotional plan. This laptop was purchased as a critical tool for my small business and graduate studiesit is the single most important item I use to generate income and complete professional work. I made regular minimum payments and did not realize that the promotion involved deferred interest that would be retroactively applied to the full purchase amount if not completely paid off by the end of the promotional period. 

In XX/XX/XXXX, over {$2500.00} in deferred interest was added to my balance, increasing what I owed from around {$2400.00} to over {$5000.00}. This was a complete shock and devastating to my financial situation as I was only making {$1100.00} monthly as a graduate student. 

At the time I signed up for the card and the promotional offer, I was undiagnosed with XXXX XXXXhough I now understand that my difficulty processing detailed financial language was related to this condition. I have since been formally diagnosed, which has helped me make sense of why I missed key details in the promotional terms. I was also enrolled in graduate school and deeply overwhelmed with academic responsibilities, which delayed my ability to review and address my account in detail. I graduated in early XX/XX/XXXX and only recently had the capacity to deal with this issue. 

On XX/XX/XXXX, I called the card issuer and explained that I was ready to pay off the full {$2400.00} remaining balance immediately if they could waive the {$2500.00} in deferred interest. I emphasized that I had been unaware of how the promotion worked due to my XXXX and academic circumstances. The issuer declined, citing that it had been more than 60 days since the interest was applied. 

I am submitting this complaint because I believe the promotion was misleading, particularly for consumers with XXXX like mine, and I was not given an opportunity for accommodation or meaningful resolution. There was no notification of the 60 day grace period for disputes. I am willing and able to pay the full principal balance today but feel it is unfair and predatory to charge over {$2500.00} in unexpected interest due to unclear termsespecially when the original purchase was necessary for my livelihood and education.

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 2025-05-18 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: Servicer under contract with Federal Student Aid
State: DE

Complaint narrative:
My student record were disclosed without my consent violating FERPA s strict confidentiality protections breach of the privacy act of 1974. 
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 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: PA

Complaint narrative:
XXXX took over my student loans from XXXX. Per XXXX service provider if I had automatic payments set up this would all transfer to the new service provider, XXXX XXXXXXXX did not take my automatic payments and did not notify me via mail that they needed payment. They then submitted negative late reports on my credit for 3 months, when I paid them up to date and set up automatic payments after the first month. 

I then disputed this with the 3 credit bureaus, experian, XXXX  and XXXX and non of their investigation teams updated the payments or corrected XXXX negative reports. I provided screenshots from XXXX themselves that my accounts are in good standing and still experian did not update the records. My credit score went from 843 to 640 because these companies can't follow their own policies.

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 2025-05-18 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:
XXXX took over my student loans from mygreatlakes. Per XXXX service provider if I had automatic payments set up this would all transfer to the new service provider, XXXX XXXXXXXX did not take my automatic payments and did not notify me via mail that they needed payment. They then submitted negative late reports on my credit for 3 months, when I paid them up to date and set up automatic payments after the first month. 

I then disputed this with the 3 credit bureaus, XXXX XXXX and transunion and non of their investigation teams updated the payments or corrected nelnets negative reports. I provided screenshots from nelnet themselves that my accounts are in good standing and still experian did not update the records. My credit score went from XXXX to XXXX because these companies can't follow their own policies.

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 2025-05-18 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: PA

Complaint narrative:
XXXX took over my student loans from mygreatlakes. Per XXXX service provider if I had automatic payments set up this would all transfer to the new service provider, nelnet. XXXX did not take my automatic payments and did not notify me via mail that they needed payment. They then submitted negative late reports on my credit for 3 months, when I paid them up to date and set up automatic payments after the first month.

I then disputed this with the 3 credit bureaus, experian, equifax and transunion and non of their investigation teams updated the payments or corrected nelnets negative reports. I provided screenshots from nelnet themselves that my accounts are in good standing and still experian did not update the records. My credit score went from 843 to 640 because these companies can't follow their own policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello. I'm writin to ask u to have some thngs removed frm my file. I can highlight in the report which things shuld come off. I'm a victim of idntity theft, and I certainly didnt purchase thse items. XXXX  be a big help if you could have those things eliminated so I can correct my credit report. I've already reported it to the Federal Trade Commission, and I've inclded copies of their Identity Theft Affidavit as prof. Could you please get rid of those items as soon as you can?

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2025-05-18 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: FL

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2025-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
I have been reaching out to Cash App on multiple attempts trying to dispute my account closure. I explained to them that the automatic closure that they did to my account was a mistake. I asked them the reasoning behind the account closure, and they provided feedback that my account was closed due to violating their terms and agreements. I responded that I have never violated any of their terms or agreements and only send money to family and friends. That is what the app is made for, I ask them what term did I violate or agreement. They then responded that they can not tell me why I violated but, I can feel free to look over their policy to see the possible reasons. 

There is no reasoning behind why my account was closed, and they can't even tell me what term I violated. I am not the only individual this has happened to. I believe Cash App needs to be investigated. When you try to call to speak to someone, the number is a dummy number. You can not speak to a live person over the phone. Only by email only, half the time I don't believe they understand what someone is talking about. Please help get my account back open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Time Investment Company, Inc.
State: WV

Complaint narrative:
Time investment company has a charge off on my report so this means they charged off and claimed it a an income loss on there taxes. THEY FAILED TO SEND ME A 1099C SO I COULD DO THE SAME.IF THEY DONT I WILL SUE FOR STATUORY DAMAGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
b'Creditor Toyota Financial Services reporting late payment status inaccurately in the month of XXXX XXXX day late reported, 60 day late reported inaccurately. Contacted creditor and credit bureaus, no progress. I have documents supporting my claim\nAccount number XXXX XXXX\n\nAccount has a maturity date of XXXX paid ahead and is now paid off completely. My primary concern is the late payment listed for XXXX XXXX\n\nMy payment due date is the XXXX  of each month and my XXXX  payment was made on XXXX XXXX  of XXXX, a 30 day late is completely inaccurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

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 2025-05-18 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: NE

Complaint narrative:
I had a XXXX XXXX XXXX card that was converted to a XXXX XXXX XXXX card. After it converted, the XXXX  XXXX XXXX card continued to show a balance but as closed. I filed a dispute with equifax, the only one reporting this wrong, and they instead reopening the item on the credit report despite the fact I made it clear that one account was converted and is no longer active or holding a balance. Nobody will help me at XXXX  XXXX or at equifax. Account XXXX was converted to account XXXX after the XXXX  XXXX XXXX card was discontinued, reviewing the attached credit reports you can see the same limits, the same opening date, anyone with a brain at the credit bureau should be able to fix this but all I can get are people overseas that are not americans to answer the phone.I am also including my credit card statements, in XXXX of XXXX  account XXXX no longer was active, and in XX/XX/year>XXXX  account XXXX was the new account number. These statements reflect this one account, being reported twice. 

I had opened another CFPB complaint, but because this was a store card, that converted to a regular retail card, i think this is why this is not being handled right. After my first complaint, they updated the XXXX XXXX XXXX listing on my report and now shows as closed, but the original account that converted still shows open, with a half utilized limit which is false information, with a monthly payment of {$100.00}. this account does not exist. i want this entire thing deleted and XXXX XXXX should be held accountable. I am including the update i got from them ( XXXX  XXXX ) that the XXXX account was closed and updated, but they left the largest issue of the ghost account that no longer exists ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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 HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-18 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND TRAFFICKING. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian XXXXXXXX XXXX XXXXXXXX bank All hard inquiries on my credit report that I never made.

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 2025-05-18 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: AZ

Complaint narrative:
XXXXTo Whom It May Concern,XXXX accordance with the Fair Credit Reporting Act (FCRA), I am formally disputing the accuracy and legitimacy of the following account(s) being reported on my consumer credit file. The accounts listed below appear to have violated my federally protected rights to privacy and confidentiality under 15 U.S. Code  1681.XXXXAccounts in Dispute:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLegal Basis for My Dispute:\n1.15 U.S.C.  1681 Section 602(a): This section affirms that every consumer has the right to privacy and that consumer reporting must be done in a fair and equitable manner. Reporting accounts without proper verification violates this right.\n2.15 U.S.C.  1681b(a)(2): No consumer reporting agency may furnish a report containing my personal account information unless permitted by law or with my written consent.\n3.15 U.S.C.  1681c(a)(5): This provision prohibits the inclusion of adverse information (excluding criminal convictions) older than seven (7) years from the date of the report.\n4.15 U.S.C.  1681s-2(a)(1)(A): A furnisher of information is prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies and must ensure all information is complete and accurate.XXXXResolution Requested:XXXXGiven the violations listed above and the lack of my written consent for continued furnishing or reporting of these items, I respectfully request that you:XXXXDelete the following accounts immediately from all of my credit reports across all bureaus (Equifax, TransUnion, Experian). These accounts have negatively impacted my credit profile and were reported in violation of federal law.XXXXPlease conduct a formal investigation and provide me with written confirmation of the outcome of this dispute. If these accounts are not verifiable in accordance with FCRA standards or if the furnisher fails to respond within the allotted time, they must be permanently removed from my credit file.\n\nThank you for your prompt attention to this matter.\n\nSincerely,XXXX XXXX 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