vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Contacted Americans express over a yr and half ago and balance was {$1400.00} it's now 2025 and the balance is still {$1400.00} How can this be possible?? there has not been any charges in 2 yrs and the XXXX XXXX monthly payments are taken each month from bank account so there has been no missed payments so how can only {$45.00} be the only amount subtracted in one yr and a half or more each month I get the same statement at {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Dear CFPB Team, I am writing to file a formal complaint against XXXX for their continued verification of inaccurate bankruptcy information on my credit report. Despite my efforts to dispute this matter directly with XXXX, the issue remains unresolved, prompting me to seek your intervention in accordance with the law. 

XXXX is reporting bankruptcy information in violation of XXXX XXXX Format guidelines, which specify stringent requirements for data accuracy and integrity. Furthermore, under Federal Rule of Bankruptcy Procedure 9037, the disclosure of certain personally identifiable information in bankruptcy records is prohibited, raising concerns about the legality of their reporting practices. 

The inaccurate reporting of this bankruptcy has adversely affected my credit profile, causing undue harm to my financial well-being. Despite providing documentation to support my disputeincluding court records that verify the bankruptcy data is either incomplete or inaccurately attributedXXXX has failed to address or rectify the matter. 

I kindly request the CFPB to investigate this issue and take necessary actions to ensure XXXX complies with applicable laws and regulations. I believe their reporting practices not only breach consumer protection laws but also pose a risk of identity theft due to the mishandling of sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: HI

Complaint narrative:
My Student Loan being collected under my XXXX XXXX XXXX XXXX now being Collected under Acciunt number XXXX had been Discharged by the XXXX XXXX XXXX at XXXX Hawaii under United States Bankruptcy XXXX XXXX XXXX XXXX Hawaii Case Number XXXX A discharge order was granted under section XXXX of title XXXX, United States Code ( The Bankcruptcy Code dated XX/XX/XXXX signed by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX THE STUDENT LOAN DISCHARGED WAS GRANTED FOR ME AS A XXXX UNITED STATES XXXX XXXX WHO SOUGHT RELIEF. 

RECENTLY, I HAVE BEEN RECEIVING HARASSING ABUSIVE SCAMNED DOUBLE COLLECTIIN LETTER WITH DOUBLE BILKING AMOUNT TWICE WITHE 2 HARASSING DUE DATES FOR XXXX FOR {$570.00} & WITH DUE DATE OF XXXX $ {$540.00} AND AGAIN DOUBLE MONTHLY BILLING OF DUE DATE XX/XX/XXXX FOR {$570.00} & DUE DATE XX/XX/XXXX FOR {$1000.00} such scam debt collectiin was hsrassing and intimidating, worst scamming and fraudelent as the debts was fully paid for by thr XXXX XXXX n discharged

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 belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XXXX I purchased a XXXX XXXX XXXX for {$23000.00} with {$3000.00} XXXX at {$430.00} a month for 60 months equals {$26000.00}, however additional months along with an additional warrant that i did not agree to were added. {$430.00} XXXX XXXX  months which the new term will be {$31000.00} which is not the price tag that was on the car nor did i agree to XXXX month payments. The original contract was changed i am being charged more for the care than i originally agreed or they increased the rates without me knowing. Or both. In XXXX, The original price tag was XXXX I put XXXX down financed for XXXX  months to paid off in XXXX not XXXX. And then requiring that i pay an additional {$3000.00} at the end of the payment. Sandtander Consumer if the financing company.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off account from XXXX XXXX XXXX XXXX XXXX on my Experian credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 15 U.S.C. 1666 ( b ), Section 605B, and, if applicable, Section 605C.

Legal Grounds for Dispute : 1. 15 U.S.C. 1681b ( Permissible Purpose ) : The FCRA mandates that consumer reporting agencies must only furnish consumer reports for permissible purposes and must ensure the maximum possible accuracy of the information reported. The continued reporting of this charge-off account, which I believe to be inaccurate and/or unverifiable, is not in compliance with these requirements.

2. 15 U.S.C. 1666 ( b ) ( Fair Credit Billing Act ) : Under this statute, consumers have the right to dispute billing errors, which include inaccurate or incomplete information. I am formally asserting that the reporting of this charge-off is a billing error and requesting a thorough investigation.

3. Section 605B ( Block of Information Resulting from Identity Theft ) : If the charge-off is the result of identity theft, Section 605B requires the immediate blocking of such information upon receipt of appropriate documentation and a sworn statement. While I am not currently asserting identity theft, I reserve the right to invoke this provision if necessary.

4. Section 605C ( Expedited Blocking in Cases of Trafficked Information ) : Should there be evidence that my information was trafficked or used without my consent, I request expedited blocking under Section 605C.

Request for Action : I request that Experian : - Conduct a comprehensive reinvestigation of the XXXX XXXX XXXX charge-off account as required by the FCRA. 
- Provide verification of the account, including all supporting documentation from the original creditor. 
- If the account can not be fully verified or is found to be inaccurate, immediately delete the charge-off from my credit file. 
- Provide written confirmation of the results of your investigation and any actions taken. 

Please be advised that under the FCRA, you are required to complete your investigation within 15 days of receipt of this dispute and provide me with a written response. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute.

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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally complain about an unauthorized transaction that occurred on my Cash App account on XX/XX/year>, for the amount of {$9900.00}. I believe my account was hacked or breached through some form of phishing, as I did not authorize this transaction. 

As a result of this incident, I lost my home because I did not receive my rental assistance funds that were sent to my Cash App. Immediately after the funds were sent, they were transferred into an unknown bank account without my consent. 

A knew cash app had a couple of glitches in the security was lacking in some sort from what I've read and obviously experienced, but I never expected to lose all of my money. 

I contacted the rental assistance program for help, but they informed me there was nothing they could do regarding the situation. Additionally, I reached out to Cash App 's support during this time but received no assistance ; in fact, no one from their team even reached out to me. I was never able to get my dispute in I was in contact with a bot or some form of XXXX. Running me in circles. 

Eventually, I regained access to my Cash App account and was able to contact support again. I must admit that their support today is way better than it was in XXXX I actually spoke with a live representative which is crazy after so many years. And they indicated that they would reach out to me via email regarding this issue. However, I am still awaiting a resolution. Hopefully they will resolve in my favor due to the fact that I am still homeless because of this unfortunate situation. I am still suffering financial hardship and emotional distress due to the loss of my funds.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate and remove fraudulent information from my credit report, despite my compliance with all dispute procedures under the Fair Credit Reporting Act ( FCRA ).

My personal information was compromised in the Equifax data breach. As a result, inaccurate and fraudulent accounts appeared on my Experian credit file. I submitted a detailed dispute via certified mail, including an FTC Identity Theft Report and multiple forms of identification. Experian confirmed receipt but has repeatedly and unjustly demanded additional ID documents that were already provided.

Experians continued refusal to remove unverifiable information violates FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681c-2. They are obstructing my rights to an accurate credit report and causing ongoing financial harm. I request immediate deletion of the fraudulent data from my report, compliance with federal law, and written confirmation of these corrections. 

XXXX XXXX XXXX XXXX XXXX Loan Account {$2000.00} ; Date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account {$2100.00} ; Date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account {$2200.00} ; Date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account {$330.00} ; Date open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account {$550.00} ; Date open XX/XX/XXXX XXXX XXXX Credit Card Account {$1400.00} ; Date open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account {$6500.00} ; Date open XX/XX/XXXXXXXX XXXX XXXX XXXX Secured Loan {$520.00} ; Date open XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$710.00} ; Date open XX/XX/XXXXXXXX XXXX  Charge Card Account {$330.00} ; Date open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$850.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX charge card account- {$3.00} ; date open XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bankruptcy. XX/XX/XXXX date resolved

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 — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I have been a card member with Home Depot, since, XXXX. But do not use my card frequently. During the course of our relationship they have churned my card and my husbands over at least a half dozen times or more. Instead of maintaining a accurate up to date customer profile. Their answer to credit card purchases is to issue new cards when they can't locate your account. I have voiced my dismay over this business practice on more than one occasion. I recently called to get a credit posted to my husbands active account and was able to get payment rectified, after being on the phone with Home depot representatives for an hour only to have my husbands card closed and another card issued to my name two weeks later as part of the resolution without our knowledge. When I called to inquiry as to why this happened I was hung up on. Stop churning cards!

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 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: SunTx Capital Partners
State: TX

Complaint narrative:
I pulled my credit report up recently and found a lot of inaccurate information on it. 
the reporting company XXXX XXXX XXXX XXXX has violated me according to 15, USC 1681 and violated my rights. XXXX XXXX is reporting Acct # XXXXXXXX XXXX XXXX XXXX XXXX as a charge off and has been reporting this charge off acct with a balance. I have not received a XXXX in the event of a code 7. Reporting a balance on a charge off acct is a violation in the event of them writing off the whole balance as a loss and the balance has been written. so, I am disputing this account due to me never received any XXXX form and because of that the acct. is inaccurate and has to be removed according to 15 usc 1692g validation of debts.

Company response to consumer: Untimely response
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This account has been about XXXX yrs old I had contacted this company so many times regarding this account I had stated that I can only account for about or near {$1000.00} of it which I had paid to try to keep my credit score ok However Best buy continue to overlook this and continue to send me high balances and interests I has explained that I did a identity theft over a yr plus ago because someone had gotten my information and took me for a lot but best buy continue to send me monthly bills demanding {$700.00} a month for a minimum payment.they has a balance of {$3500.00} which to me seems to be majority interest I am a senior citizen on a fixed income no way I could afford to pay this kind of money for stuff I didn't purchase this is totally unfair were living in times where scamming seems to be the norm and we have to suffer to fix something we didn't break it's not right I try to give something because it's my name & credit being damaged.

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 2025-04-26 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:
* STUDENT LOANS ON EXPERIAN, EQUIFAX, AND TRANSUNION : I am formally disputing the student loan accounts in my credit report, as the recent material changes in federal student loan administration have raised serious concerns about their legitimacy, ownership, and enforceability. The other student loans have been removed from all 3 bureaus.

Reasons for removal : 1. Lack of Credible Verification ; 2. Material Change in Federal Oversight ; 3. Potential FCRA Violations ; 4. Inaccurate Payment History.

* * FREEDOM MORTGAGE ON EXPERIAN, EQUIFAX, AND TRANSUNION : The account in question has been reported inaccurately and should reflect Paid Never L
ate. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information reported.

Reasons for removal : 1. Experian reports 30 days late. The other bureaus don't show any reporting history.

2. Date of Last Activity is different on all 3 bureaus.

Additionally, under 15 U.S.C. 1666b, creditors must properly account for the timing of payments. If my accounts were reported incorrectly despite my timely payments, this constitutes a violation of my rights under federal law.

* * * CAPITAL ONE ON EXPERIAN, EQUIFAX, AND TRANSUNION : I am writing to formally disp
ute inaccurate information appearing on my credit report in violation of 15 U.S. Code 1666b ( Timing of Payments ) and 15 U.S. Code 1681e ( b ) ( Accuracy of Credit Reports ). 

Reasons for removal : Different Dates of Last Activity/Last Payment ( See Image Below Experian shows XX/XX/XXXX and XX/XX/XXXX - 30 day Late Payments Equifax Shows XX/XX/XXXX and XX/XX/XXXX - 60 day Late Payments TransUnion payment history shows on time. They are not reporting the years of XXXX and XXXX. 

Additionally, under 15 U.S.C. 1666b, creditors must properly account for the timing of payments. If my accounts were reported incorrectly despite my timely payments, this constitutes a violation of my rights under federal law.

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 2025-04-26 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: NC

Complaint narrative:
I am submitting supporting documents regarding the Equifax data breach.

Company response to consumer: Closed with non-monetary relief