vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
The following was sent via email to XXXX XXXX XXXX and XXXX XXXX of Golden1 Credit Union regarding a claim being unjustly reversed and improperly charged to my savings account which I had requested to be closed a week prior : XXXX, I had been a Golden1 customer for approximately XXXX years until XX/XX/year>. I had filed a dispute regarding a transaction that occurred a year ago due to defective eyewear purchased through EyeChicks for {$590.00} and provided the dispute team as well as XXXX XXXX, Associate Branch XXXX XXXX at XXXX, CA XXXX, ample information to back my claim including emails and calls to the merchant trying to resolve the issue of the defective eyewear, my original receipt, a Better Business Bureau complaint filing against the business, and a XXXX year warranty card that was supposed to cover the eyewear I had purchased. I made various attempts to resolve with the merchant to no avail so I then contacted Golden1 to file the dispute. After trying to originally submit the claim with all of this information and was told that it was not needed, XXXX XXXX then escalated and resubmitted the claim with my documentation. In a short time, the claim was again denied and I lost faith in XXXX and closed out my accounts in the branch on XX/XX/year> with XXXX XXXX, or believed I had. To my surprise, I then came to find out that a reversal charge for the XXXX claim that was linked to my old checking/debit account was posted to my savings account and I now have a negative current balance of {$590.00}. I did not have XXXX XXXX set up and the eyewear charge was never linked to my savings. I thought my accounts had been closed, as requested, and I just got off the phone with XXXX who indicated that my negative balance may be transferred to ChexSystems and I will have to further deal with this headache. 

I am so extremely frustrated and disappointed in my experience with Golden1. I will do whatever I need to do to fight this unjust reversal by Golden1 and believe that the XXXX team should be aware of my experience. For reference, my mother covered half of the cost of the defective eyewear and filed a claim with her bank, XXXX XXXX. XXXX honored the filing of her claim and provided her with a permanent refund based on the same exact information I provided to Golden1. I have attempted various times to settle this with Golden1 to no avail and have yet to receive a call back from the XXXX XXXX XXXX after filing a complaint. I will be contacting the Better Business Bureau and the Consumer Financial Protection Bureau. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Experian credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-04-29 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: IN

Complaint narrative:
I have notified XXXX XXXX XXXX XXXX XXXX multiple times, for over XXXX years that they are rporting innacurate and fraudulent information and unverified accounts upon my consumer report. After filing a dispute or notifying them, the XXXX agency is supposed to conduct a thorough re-investigation and block all information that can not be verified or proved. Continually XXXX has simply verified the fraudulent acounts and continued to report the false information on my XXXX Report. This is contrary to State and Federal law. I formally sent a certified letter requesting a thorough re-investigation be completed per U.S. XXXX and All documentation, as well as a list of all agencies, and companies used to verify the accuracy of the disputed information, and accounts. I received an email once again with the conclusion of the reults, and once again XXXX claimed All accounts came back verified, without conducting any investigations, or providing any requested documentation or companies used to verify these fraudulent accounts and information. Again a direct violation of State and Federal 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I am writing to formally request the update of my account status, as the outstanding balance has been paid in full. on XX/XX/year>25 payment of {$240.00} was sent to you, and I ask that my account be promptly updated to reflect this. Additionally, please notify XXXX XXXX XXXX regarding the resolution of this matter. I should not have been charged {$240.00} in interest fees, as my employer has already satisfied this debt. It is concerning that the collection agency has continued to delay the resolution of this case. If my account update and court notification are not completed within the next 30 days, I will be filing another complaint with the Consumer Financial Protection Bureau ( CFPB ). I expect confirmation of this update within the specified timeframe. Please address this matter promptly to avoid further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-04-29 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: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: MI

Complaint narrative:
US Loans Services calls me several times a day from different numbers saying I have a loan pre approval. I never applied to them for a loan. I think XXXX may have sold them my information. I selected option 9 to be opted out on their phone system when it calls me but they keep calling. Every time it's from a different number so I can't block them. They leave long messages that clog up my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MA

Complaint narrative:
I DO NOT RECOGNIZE THESE ADDRESSES. PLEASE REMOVE IMMEDIATELY. THANK YOU 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 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

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 2025-04-29 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: Nelnet, Inc.
State: IN

Complaint narrative:
My personal and financial data was compromised violating XXXX. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-29 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am submitting this complaint to report a violation of the XXXX XXXX Rights and Privacy Act ( XXXX ) that appears on my credit report. My credit report contains education-related information/accounts that were reported without my consent. Under XXXX, educational institutions are prohibited from disclosing student informationincluding financial obligationsto third parties such as credit bureaus without prior written authorization from the student. 
These entries are a clear violation of my federal rights under XXXX and are negatively impacting my credit standing. I am requesting the Consumer Financial Protection Bureau to investigate this matter and require the credit reporting agency to : Immediately investigate and identify the source of the XXXX violation. 
Remove any and all education-related data that was reported without consent. 
Provide a formal response outlining their findings and actions taken. 
I have attached a copy of my credit report highlighting the entries in question, along with a copy of my identification. 
Thank you for your assistance in protecting my privacy and correcting these errors.

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 2025-04-29 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: CA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues 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 Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
Company ( Mohela ) has still not addressed the fraudulent practices of lying and deceptive pretenses in which the promissory note for the consolidation was drafted prior to their transfer. The handling of this was illegal in how the customer service team drafted these documents in XXXX to show this was a XXXX XXXX to XXXX XXXX consolidation, with no change in hands, simply consolidating to a single payment. That was an outright lie in order to change hands of the loan to their financial services and lending as opposed to the proper educational loan I had. Until now ( XXXX ), when the documents were denied proper review and provided to me with the proper explanation, I had no idea that this was not the same thing due to the illegal deceptive practices of their financial takeover. I should not be held accountable for their lies and deception in how their handled their accounts and will continue to fight for the discharge of my private loan as it is rightfully and legally supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: FL

Complaint narrative:
I applied for a lease through Tesla Leasing. After Tesla confirmed my approval via text message, I moved forward with the delivery, insurance, and vehicle integration into my familys daily life. I received my VIN, my reservation was processed, and everything was confirmed.

Three weeks later, I was suddenly informed that my income documents were considered forged, which is completely false. I immediately submitted official IRS-issued W-2s and verified bank statements to prove my income. Despite this, Tesla and its bank partner ( XXXX ) issued legal notices threatening repossession, and falsely claimed that I had not responded even though I sent multiple emails, submitted official documents, and included a screenshot of Teslas own financing approval message.

This process has caused reputational damage, emotional distress, and financial disruption. I respectfully request an investigation into Teslas and XXXX  handling of this case. Their accusations are false and their practices have been inconsistent, misleading, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I called the Bank to inform them that I wanted to no longer authorize payments to a Company ( XXXX ) whom I had previously authorized payments to ( My attempts to contact XXXX to let them know that I would like to cancel my account were unsuccessful ). 

The Bank informed me that this was not possible. 

On XX/XX/XXXX, Citizens Bank allowed an unauthorized payment to XXXX of {$220.00}. 

On XX/XX/XXXX, I went to a branch to close my account and withdrawal all funds. 

I was able to withdrawal all the funds, but was informed that Citizens would continue to pay any previously authorized payments and would charge me an overdraft fee as well. 

I let them know that this was not acceptable and that I would like to 100 % permanently close my account. 

The XXXX representative let me know that this was not possible. 

I expect that on XX/XX/XXXX that Citizens will make an unauthorized payment to XXXX out of my account that I will be liable for as well as an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
I applied for a loan through af 24/7 after my loan amount changed twice. The funds were sent to my bank account via debit card. But it was not the same one linked to my checking and routing number I provided. I contacted my bank and was told that Advanced financial would have to request the return. I contacted advanced financial and was told that nothing could be done because the account is active that the funds were sent to. But it was not linked to the same checking account and routing number

Company response to consumer: Closed with explanation