vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Complaint made to Popular Bank regarding deceptive advertising regarding unreceived promotional offer of {$200.00} for establishing a savings account and maintaining a monthly balance of {$8000.00}. On XX/XX/XXXX I opened my account with {$8000.00} with XXXX XXXX XXXX ( sales and service associate ) at the XXXX XXXX, NY branch. 
My discussion with him upon opening the account was to make sure I will receive a monthly mailed statement and he confirmed I woulld with my promotion to be received in XX/XX/XXXX. 
After receiving my initial statement cycle on XXXX XXXX XXXX I became aware that I did not receive a monthly statement for XXXX. Upon my inquiry to this, I spoke to customer service toll free number and was informed contrary to my discussion with XXXX XXXX, that I would need to show activity on the account in order receive a statement ( earned interest is not considered activity ) .This in effect has caused a months delay in receiving the promised promotion. 
Nowhere does it say that activity is required to receive a statement nor does the promotion indicate that a statement cycle is quarterly without activity. 
Upon calling the bank to speak with XXXX XXXX I was informed that he no longer works with the bank branch. 
Upon speaking to XXXX of the branch on Thursday she assured me to call me back the following day however no call was received. When I called on Monday I was informed she is unavailable for a week as she is in training. 
I have lodged multiple complaints with customer service # XXXX and XXXX without promised return calls. At this point I feel if I withdraw my funds I will forfeit my deserved promotion that the bank has acted deceptively in their advertising. 
As of XX/XX/XXXX no response from the bank and no promotional deposit in my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Ive been in a hardship situation since an uninsured driver XXXX XXXX XXXX XXXX I was the holder of a XXXX XXXX and missed a number of payments. My balance was over {$1400.00}. XXXX sent me a letter indicating they were agreeable to a settlement on the account. I contacted the creditor and they offered a settlement of {$500.00} split into 3 monthly payments. I paid {$160.00} on XX/XX/XXXX, they withdrew automatically {$160.00} on XX/XX/XXXX and took {$160.00} on XX/XX/XXXX for a total of {$500.00}. I met the terms of the settlement and they sent letters confirming my payments. However, they then claimed I still owed almost {$940.00}. My credit reports which I have disputed despite my documentation show no payments for XXXX & XX/XX/XXXX and the credit bureaus say the creditor has confirmed this. There is NO mention of a settlement, my reports say the Creditor did a write off of over {$930.00} and a Manager at Citibank even told me on the phone to dispute it because he said the payments had been made. That manager, XXXX, even gave me the address in XXXX Ohio where I should mail my dispute. Ive followed up with them as Ive been disputing with the Credit bureaus and they never replied. This is a violation ( incorrect reporting on my credit reports ) of the FCRA and I have nowhere else to turn. I hope theres a place for me to attach support documentation. I need your help. Thank you. 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Complaint Against Apple Card ( Goldman Sachs ) Incorrect 30-Day Late Payment Reporting I am filing a formal complaint against Goldman Sachs ( Apple Card ) for inaccurately reporting a 30-day late payment on my credit report, despite my payment being made within 29 days. 

Issue Summary : On XX/XX/year>, Apple Card Support notified me that my payment was 28 days past due, not 30. 
On XX/XX/year>, I made a payment of {$50.00}, which was within the 30-day threshold. 
Despite this, Goldman Sachs incorrectly reported my account as 30 days late, which is a direct violation of accurate credit reporting practices. 

Legal Basis for the Complaint : 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Reporting a late payment when it was made before reaching 30 days past due is a clear inaccuracy. 
Goldman Sachs failed to ensure accuracy before reporting the delinquency. 
2. Failure to Investigate & Correct the Error I disputed this incorrect reporting, yet no corrective action was taken. 
My credit score was unfairly impacted, causing financial harm. 

Requested Resolution : Immediate Deletion of the inaccurate 30-day late mark from my credit reports. 
Compensation for damages caused by this misreporting, as allowed under 15 U.S.C. 1681n ( a ) for willful noncompliance. 
Regulatory Review of Goldman Sachs reporting practices to prevent further consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I am formally disputing the continued reporting of the XXXX XXXX XXXX account on my Experian credit report. This account has been successfully deleted from my credit files with both XXXX and XXXX, as they determined the information was inaccurate and could not be verified in compliance with the Fair Credit Reporting Act ( FCRA ). Given these findings, Experians continued verification of this account is unjustified and a violation of federal law. 

Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), if an account can not be verified as accurate, the credit bureau must delete it. Since XXXX and XXXX have already determined this account was unverifiable, Experians verification contradicts established precedent and raises concerns regarding Experians reinvestigation process. 

Additionally, under FCRA 15 U.S.C. 1681e ( b ), Experian is required to maintain procedures to ensure maximum possible accuracy of reported information. Given that XXXX out of the XXXX major credit bureaus have removed this account, Experians insistence on verifying the same disputed information suggests either ( XXXX ) an error in your reinvestigation process, or ( XXXX ) continued reporting of an inaccurate item without properly verifying its accuracy. 

I expect Experian to comply with federal law and remove this unverifiable account within the XXXX dispute period. Failure to do so will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for failure to conduct a reasonable reinvestigation and continued reporting of inaccurate information in violation of the FCRA. 

Please send me an updated credit report reflecting the deletion of this account at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/XXXX I NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX- Equifax Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DC

Complaint narrative:
My employer submits a $ 100 monthly payment on my behalf to my student loan servicer. The payment for XX/XX/XXXX has not been applied to my account as of XXXX XXXX. When I noticed this missing payment, I reached out to the vendor my employer uses to disburse funds, and they confirmed they had sent the payment on the appropriate date and time. Then I reached out to my student loan servicer who confirmed that no employer-supplemental payment has been applied to my account for XXXX. They told me to upload documents proving my employer sent the payments to my portal, which I did. After days of not hearing any updates, I reached out again. My servicer let me know they did not see any documents attached to my portal and had no record of my complaint. I followed up via email and submitted the documents via attachment and to the portal a second time. They emailed me to ask me to reach out to my employer vendor. I let them know I had done so already and they confirmed payment. After weeks of calls like this, I was told I would receive a call explaining the processing time of the issue and what they are doing to remediate it, including backpayment of the interest I am accruing erroneously due to their mistake. I have not heard from my servicer since last Friday, despite calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

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. 

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate information on my credit report that the credit bureaus have refused to correct. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute incorrect, incomplete, or fraudulent information. 
I previously disputed the following accounts with [ XXXX ] XXXX but they failed to properly investigate and remove the inaccurate information : Disputed Accounts : [ XXXX XXXX XXXX ] [ XXXX ] Issue : Incorrect balance, Late payments reported incorrectly. 
[ SYNCBXXXX ] [ XXXX ] [ Issue : Incorrect balance, Late payments reported incorrectly. 
[ SYNCB/WALMART ] XXXX [ XXXX ] - [ Issue : Incorrect balance, Late payments reported incorrectly. 
Despite my request, the credit bureau has not provided sufficient proof of verification and has continued to report inaccurate information. This is a direct violation of FCRA 611, which requires a fair investigation within 30 days. 
I am requesting that CFPB investigate this matter and take appropriate action to ensure the removal of inaccurate items from my credit report. 
Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sent a notice that my credit score dropped dramatically. INvestigating it shows XXXX charged on a card I have not used since XXXX. Multiple phone calls to fraud department and hung up on after an hour and no answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE SENT THIS INFORMATION TO EQUIFAX OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> and XX/XX/year> I sent TransUnion letters in reference to their method of verification for negative items on my credit report. I specifically asked for detailed information about how they verified those accounts. The company failed to provide the required information to me. I only got an email with a vague description of their process, and another email saying that there were no changes made. TransUnion is violating my rights under the FCRA by not providing the information as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Fair Collections & Outsourcing ( FCO ) due to their failure to respond to CFPB complaint # XXXX, which was submitted over 60 days ago without a resolution. This complaint follows an earlier dispute ( # XXXX ) in which I provided substantial evidence of consumer rights violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

In my previous complaint, I highlighted multiple violations committed by FCO, including : Failure to validate the debt as required under 15 U.S.C. 1692g.

Failure to provide proof of licensure to collect debt in Texas.

Inaccurate reporting of payment history on a collection account, which is explicitly prohibited under FCRA guidelines. 
FCOs only response was a " cease and desist '' claim, failing to address my request for deletion or provide proper documentation supporting their reporting. Since then, I have obtained confirmation from the original creditor that I was never a primary account holder, and they were unable to validate the balance reported by FCO. This further demonstrates that FCO is reporting false and unverifiable information in violation of 15 U.S.C. 1681s-2.

Additionally, FCO and its owner, XXXX XXXX, have a documented history of unlawful debt collection practices, including a settlement requiring FCO to pay {$850000.00} for consumer protection violations. Given this pattern of misconduct, their failure to properly address my complaint is unacceptable.

FCO has already exceeded the time limit for response, and further delay is unacceptable. I expect immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against the company. Equifax 's failure to conduct a reasonable investigation into my disputes has caused significant harm, including inaccurate credit reporting that negatively impacts my financial opportunities. I am requesting that Equifax comply with its legal obligations under the FCRA and CFPA by conducting a proper, good-faith investigation into my disputes and providing clear evidence of its findings. If Equifax fails to take corrective action, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue any necessary legal remedies. 
The accounts : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief