vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went on a trip XX/XX/year>. I had left my phone and wallet in my car. When I returned someone had broken into it. My phone wallet, jacket,, other mischievous items were taken. I am not rich in fact my car is my home at the moment since XXXX my job went away. On XX/XX/year> I was able to get a phone and get my backed up information from the cloud. I proceed to go to my well fargo account and I noticed a bunch of. Transactions from my account thru XXXX which is thru wells fargo. The total sum taken was XXXX. I immediately called XXXX and they said that it would never had happened if I hadn't given someone my PIN number..I have never in my life given my card to anyone or authorized any XXXX to use my card. I am XXXX XXXX XXXX and I do not have the best memory and I do write stuff on my phone in my notebook relating to a lot of different accounts. These days hackers can access your account many different was. XXXX XXXX keeps saying no one can access your pin numbers at any time. I know that ti be false. Thursdays most of the computer crimes are down thru identify theft. I have had my identify stolen multiple times thru different breeches thru multiple companies multiple times. 
T he XXXX XXXX is XXXX of many places XXXX  can get your information. I even got a police report of the incident. I have jot had any money for a XXXX days now and have no where ti turn. Just want that money put back so I can continue to live. XXXX on wells fargo to even say in there email that I '' that I or someone I gave permission to did it ''. That is a bold face lie. 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 monetary relief
Consumer complaint received 2025-03-16 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Dispute a charge on my credit card on XX/XX/XXXX. Within the limits. I provided the company with proof from the company that I was over charged and the proof that I had tried numerous times to get a refund. XXXX XXXX denied the claim on XX/XX/XXXX. I sent a message to XXXX XXXX on XX/XX/XXXX to appeal the denial. They responded on XX/XX/XXXX asking for proof of payment from the insurance company. I sent it the same day. On XX/XX/XXXX they denied my appeal stating that it was out of the timeframe for dispute. I informed the rep that I had originally filed during the allowed timeframe, provided evidence, was never contacted further until I received the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
Experian is an Violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. Account Name : XXXX XXXX XXXX : Account BALANCE : {$440.00}

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
At the end of XXXX, I was offered a payment plan of three payments of $ XXXX by Synchrony Bank to pay off my credit card debt ( since I was having problems paying my bills due to unemployment and medical ). I called and reached to a different agreement of a 12month payment plan of {$150.00} each month. After 2 months of paying, they denied my access to pay, refused to call to collect payments, and denied my attempts to make a payment. All of this because I did not make payments to their original offer of which I never agreed to. Each time I made an attempt to fix the situation and asked for my agreement plan, they denied the existence of it, refused to help me, and often hang up on me. For 3 years they denied anything and sold my debt without all the information and being dishonest to me and dishonest to XXXX who they sold my debt too. After causing emotional, stress, credit and financial harm, they finally admitted that there was a verbal agreement of the {$150.00}. So Synchrony bank rescinded the offer I agreed to because it wasnt their original offer. They broke the agreement and made me suffer for it.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XXXX I went through a difficult and painful divorce. Due to extreme XXXX  I didn't open any of my mail and I allowed my student loans to lapse. In order to make them current without having my wages garnished I was forced to agree to 100 % interest on the loans. I owed approximately {$39000.00}. and to bring the loans current I was forced to agree pay {$80000.00}. I could have received better rates from a loan shark. I might have broken legs but at least I wouldn't have had to pay 100 % interest. 
I currently work for a nonprofit. I applied for the IDR. I didn't like the amount they required me to pay because the computer said I qualified to pay {$170.00} per month but they wanted me to pay {$300.00}. When I called the nice lady told me because I work for a nonprofit I was very close to having loans totally forgiven and I should apply for loan forgiveness. She put my loans on forbearance for me. I unfortunately didn't qualify and now I owe an additional {$8000.00} in interest payments. The whole thing feels like a big scam to me and I'm so tired of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-03-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry XXXX  Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report conducted by XXXX, XXXX XX/XX/year>. I have never applied for credit with this institution, nor have I authorized this inquiry. 

Under 15 U.S.C 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit file. Since I did not grant such permission, this inquiry is unlawful and should be removed immediately. 

I have already disputed this matter with TransUnion, but they have failed to properly investigate and remove the unauthorized inquiry. Due to their noncompliance, I am requesting the CFPB to intervene and take appropriate action to ensure my consumer rights are upheld.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am filing this complaint against Mercedes-Benz Financial Services for reporting inaccurate late payments on my credit report, which is causing significant harm to my creditworthiness. 

According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers of credit information must ensure that the data they report is maximally accurate. However, Mercedes-Benz Financial has reported three late payments that do not align with the payment history I have documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I can't get my credit score from XXXX credit companies. I had a score of XXXX in XXXX of XXXX  and the following months ( XXXX, XXXX, XXXX, XXXX, and XXXX ) all say XXXX. I've never had this issue. I don't know what to do because this is hindering me from getting anything. My telephone number is 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I can't get my credit score from XXXX credit companies. I had a score of XXXX in XXXX of XXXX  and the following months ( XXXX, XXXX, XXXX, XXXX, and XXXX ) all say XXXX. I've never had this issue. I don't know what to do because this is hindering me from getting anything. My telephone number is 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 2025-03-16 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, a scammer created fake XXXX ads for {$30000.00} per day. I was shocked to see my business credit card was charged about 12 times in one day for XXXX ads, this type of pattern usually puts an automatic fraud alert. However that didnt happen and I was charged about {$26000.00} successfully on my business credit card. I am disappointed with the lack of customer service that I am receiving from XXXX who isnt really helping me, just making me create online tickets and asking me the same questions in circles. TD Bank did not give me a provisional credit, and says the dispute can take up to two months. I am not thrilled about having such a large fraudulent balance on my card that I am supposed to make payments on for the next month or two. I am attaching two screenshots, one showing the ad was created by someone else with access to my account and another showing the fake ad was to sell robot puppies, which is not related to my business. When I opened a TD Business checking account, I had to provide evidence of the nature of my business and showed TD that I am in the wallpaper business which is nothing related to robot puppies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the reporting of late rental payments on my Experian Rent Bureau record. I previously opted out of rental reporting and never authorized RHO Residential to furnish my rental payment data to Experian Rent Bureau. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Unauthorized Reporting ( 15 U.S.C. 1681b ) My rental history should not have been included in my consumer report as I had explicitly opted out of reporting. 
2. Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ) The reported late payments are incorrect because I was receiving rental assistance from the State of New Jersey [ Name of Rental Assistance Program, if applicable ], and payments were made on my behalf. 
3. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian has a duty to ensure that the information it reports is accurate and fair. Reporting unauthorized and incorrect data violates this obligation. 

I demand an immediate investigation and request that Experian Rent Bureau : Remove all rental payment history from my credit file due to my opt-out request. 
Delete any reported late payments associated with my rental history. 
Provide written confirmation of the deletion within 15-30 days, as required by the FCRA. 


Failure to comply with this request may result in a complaint with the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Attorney Generals Office, and legal action if necessary. 

Please confirm in writing that the disputed information has been removed.

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 2025-03-17 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have an account with Cash App. They locked me out of my account, and now I do not have access to my money or my account. I have called several times and still no resolution to why my account is locked, or why I can not access my funds, I also can not send or receive any funds. I was on the phone with several different customer service agents this morning for over an hour, and they all kept saying the same thing, and that is they can not unlock my account or give me access to my funds which is {$740.00}. Now I do not have any access to my money and therefore I can not provide for my family. They stated that I should receive an email with my case number, which I have yet to receive, and they also said that within the next XXXX hours I should hear something from the higher ups. I also made a dispute with them due to the fact that I accidently sent someone {$120.00}, due to the fact that I put in the incorrect cash app tag, and they denied my dispute and told me the only way to get my monies back was to contact that person and ask for them back. How can I contact someone I do not know?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$270.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$270.00} Date Opened : XX/XX/year>

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