vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
my student records were disclosed without my consent, violating FERPA 'S strict confidentiality protections. Breach of the privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I have a number of disputes with experian from 2022. Every time I would dispute an account it comes back " VERIFIED ''. I know that the credit bureau didn't properly investigate the accounts. This is my last time disputing the accounts in question that no other credit bureau is reporting on my credit report. However, I will be taking legal actions if the account aren't removed.This has been happening too many times and its time for them to be exposed with their fake investigation and generic " VERIFIED ". The company would take 30 days to come back saying " ACCURATE '' when they literally didn't do any investigation. 

They have totally violated my rights as a consumer and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
Equifax reporting duplicate negative accounts with the same account number, trade line, etc. 
I notified Equifax that he information was duplicated they told me I have to dispute the account in addition to the account that was already in dispute. 

I paid to delete the original account and told XXXX to ensure both accounts were deleted. I was assured by XXXX there were no other reporting done on the account. I received notice the account was deleted from the XXXX XXXX, but when I pulled my report one of the XXXX accounts still appeared. I called Equifax and they said its still under investigation. If its deleted what information are you receiving?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called Bank of America to request the {$0.00} interest charged for the annual fee be removed. Currently, my account has promotional balance transfer amount on it which means that any purchases made accrue interest without the standard 30-day grace period after the statement is issued. Fees are not purchases ( and in previous years interest associated with the annual fee was removed from my account, I was told, and I was also informed that the fees were not subject to interest ). This has occurred in previous years, so I was aware the this would happen again. This year, I was told the interest could not be refunded due to it being associated with a {$5.00} purchase. Looking online in the portal, and on the issued statement, there was no purchase of any amount recorded. Furthermore, my overall statement balance, calculated based off the posted fees and payments, did not include {$5.00}. It included only the {$0.00} interest. After over one hour on the phone with a first-tier customer support representative ( who was fantastic ), I was connected to a supervisor who was able to remove the {$0.00} interest charged ( I am waiting for an update in the system to confirm this ). As this has happened over multiple years, and it appears to be a systemic error with the classification of an annual fee as a purchase, I am submitting this complaint. This may be an error that impacts only those individuals who have promotional balance transfer balances on their credit cards ( and only when those balance transfer deals include daily interest charges which begin to accrue on the date of a purchase transaction ) and thus limited in scope. However, that said, it is also an issue that may, cumulatively, have erroneously cost credit card customers of Bank of America products ( and potentially other credit card companies ) a significant amount of money ; and, for those who have attempted to have the charges forgiven, cumulatively ( and individually ), a significant amount of time. I am checking the box for CFPB to publish this description on consumerfinance.gov on the off chance that individuals who have experienced similar erroneous interest charges, or who have promotional balance transfers on their accounts that could open them to interest charges on " ghost '' transactions may become aware of this issue.

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 monetary relief
Consumer complaint received 2025-04-27 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:
I am filing this complaint on my own behalf regarding Experians repeated failure to properly investigate and correct reporting on a XXXX XXXX  account ( # XXXX ). Despite submitting multiple disputes ( Report # XXXX on XXXX XXXX XXXX, and Report # XXXX on XXXX XXXX XXXX ), Experian continues to report this account as Open with a {$2300.00} past due balance. 

This account is not mine, and Experian has never provided any signed contracts, applications, billing statements, or other validation as required by law. Merely " verifying '' the account with the furnisher without providing evidence is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Experian failed to conduct a reasonable reinvestigation, failed to provide the required Method of Verification ( MOV ) when requested, and exceeded the 30-day reinvestigation period, all while continuing to report unverifiable and inaccurate information.

Key Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) : Failure to provide the Method of Verification ( MOV ).

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Obligation to delete unverifiable information.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA.

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 2025-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
My Savings Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. They have restricted my access to my savings account, and I can not withdraw funds. I contacted the support line on Tuesday, XX/XX/XXXX and requested information as to why my account was restricted and how to get access back. The support manager said he did not understand why my account was restricted and there was no information available to him that would explain why. I was told that I would receive an email following up on the situation. I never received any follow up by email and access to my account remains restricted.

I do not understand why my access was restricted to my savings account, and this is not the only unusual incident I have had with Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my Apple Card account was closed by the branch with the stated reason being " [ ... ] a failure to comply with the terms of the Customer Agreement. '' I had never made a late payment on this account, and consistently paid my account balance as required by the agreement. When asked for further explanation, none was given after repeated contact via email, phone call, and text support. I do not understand why I have been the subject of this pattern of targeting by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is my second letter mailed to Experian : " XXXX : Experian CUSTOMER CARE XXXX XXXX XXXX, XXXX  XXXX RE : Membership ID # SECOND ATTEMPT TO CONTACT YOU! 


XXXX, XXXX XXXX Experian XXXX has been a nightmare for me! Every month, I receive an email saying accounts I have arent connected to XXXX. I try to reconnect them, I try to disconnect and then reconnect, but no success. Specifically, my XXXX XXXX XXXXending in XXXX for months/years it has been disconnected. Ive had XXXX for over 30 years! Why is it so hard for Experian to connect my XXXX? As usual, the Boost/Connect window gives me an error that says your XXXX system can not connect with XXXX XXXX XXXX Unable to connact at this time, the message reads AGAIN today. HOW can I get my XXXX ending in XXXX connected? I have tried to call the XXXX # for Support, but it is an auto-prompt and impossible to connect to a real representative. This is VERY frustrating! Another example ( s ) of accounts that Ive had for years are PAYLEASE ( my HOA fees that are recorded on Experian XXXX as INACTIVE but you can clear see I make payments each week. Another few examples of bills I pay each month that are Inactive on your Experian XXXX ( but I pay every month! ) are XXXX, XXXX XXXX, even my mobile phone bill ( t-mobile ) which Ive had for YEARS and it never seems to be in the Active section, as well as XXXX XXXX XXXX XXXX my electric bill that Ive had for 3 years! ) .All of my utility and cable TV bills ( XXXX XXXX etc ) are connected to XXXX checking account, which I havent used for years. I pay EVERYTHING with my XXXX card ending in XXXX. In fact, my account shows this, in error : Each bill needs 3 payments in the last 6 months and 1 payment within the last 3 months before you can use it to boost. Keep making paymentswe 'll let you know when they're ready! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments HOW can I get all these errors fixed and all of my accounts active in the Boost? '' They DO NOT have a customer service number to talk to a live agent

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Subject : Request for removal of unauthorized inquiries Dear Sir/Madam I am writing to you regarding my credit file associated with number. After reviewing my credit report recently, I have noticed several inquiries that I do not recognize or for which I have not given my authorization.

I respectfully request that you investigate these inquiries and remove any unauthorized inquiries from my credit report. In accordance with the Consumer Protection Act and the Act respecting the protection of personal information in the private sector, all inquiries must be made with my express consent. 

Here is the list of inquiries concerned : Inquiry : 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  JPMCB CARD XXXX : XXXXXXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX : XXXX. XXXXXXXX XXXX - Banks Thank you for processing this request as soon as possible. Please do not hesitate to contact me should you require any further information. I would also be grateful if you could confirm the corrections in writing. 

Yours faithfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Still at odds with them, they showed us signatures on a loan modification that are definitely not ours. I talked to a lady from that and she said if they changed our loan from 30 years to 45 years, the limit is 40 years, which we never agreed to. All we wanted was a payment plan which I satisfied. She said that to change the loan we would have to have gone into an office, sign, witnessed and notarized. We were decieved.

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 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I received my first letter from MOHELA letting me know that my loan was put on forbearance in XX/XX/XXXX. I received a second official letter in XX/XX/XXXX saying my loan is still on forbearance. I received a third official letter in XX/XX/XXXX will NOT accrue interest while on administrative forbearance, but my balance as of today, XXXX XX/XX/XXXX, shows that I have accrued interest. 

Please advise on what steps I need to take to address this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Credit Collections obtained access to my consumer credit report without my knowledge, authorization, or a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( b ) ( 2 ). 

I was not provided with a clear and conspicuous written disclosure prior to the procurement of my consumer report. I also did not sign or provide written authorization permitting Credit Collections to access my report. 
Furthermore, the company has failed to provide any legitimate reason under the FCRA for pulling my consumer information. 

This unauthorized access has caused me distress, invaded my privacy, and may have negatively impacted my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Pay pal closed my account under email XXXX which has just over {$330.00} remaining in it and they say they are holding it for 180 days. They will not give me a specific reason as to why my account was closed other than we have the right to close accounts at our discretion. I used pay pal for what the platform was designed for and nothing else. Nothing that should have my account closed and money held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TN

Complaint narrative:
On XX/XX/year>, I received an email from TrueAccord attempting to collect an alleged debt for XXXX XXXX in the amount of {$230.00}. 

I did not receive any written notice via postal mail as required under FDCPA 809 ( a ).

I never consented to receive debt collection communications by email. I have since unsubscribed to revoke any implied consent. 

TrueAccord has failed to send physical validation of the debt, including proper verification such as a signed contract or itemized billing. 

I am requesting immediate investigation and action to enforce compliance with FDCPA and FCRA requirements.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  LVNV Funding LLC RE : Cease and Desist Debt Collection Communications Dear LVNV Funding LLC, I am requesting that you immediately cease and desist all communication with me regarding any alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I demand that you stop all forms of contact with me, including phone calls, letters, emails, or any other communication methods. 

Please note that if you continue to contact me after receiving this letter ( except as allowed by law, such as to inform me of a specific legal action you intend to take ), it will be considered a violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Furthermore, if you believe I owe this debt, I request full validation of the alleged debt, including : The amount of the debt ; The name of the original creditor ; Proof that you have the legal right to collect on this debt. 

Failure to provide proper validation will further support my defense against any collection activities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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