vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: Nelnet, Inc.
State: AL

Complaint narrative:
My credit report shows student loan default. I have NEVER agreed to or authorized anyone to obtain any student loans under my name and/or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received an email that a Best Buy Citi credit card was taken out in my name. I attempted to call their service line for fraud, but did not give my SSN to an automated line. 

I froze my credit card. I received an email this morning that the account has been made and the primary phone number has been changed. 

I attempted to call Best Buy again, but had no options to shut down the card or claim identity fraud.

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 2025-03-09 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unresolved inaccuracies on my credit report with Experian. Despite my previous disputes, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information from my credit report despite my formal disputes. 



I kindly request that the CFPB investigate this matter and take appropriate action to ensure Experian complies with its legal obligations. Please let me know if you need any additional information or documentation to support my claim. 



Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding unresolved inaccuracies on my credit report with Experian. Despite my previous disputes, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information from my credit report despite my formal disputes. 



I kindly request that the CFPB investigate this matter and take appropriate action to ensure Experian complies with its legal obligations. Please let me know if you need any additional information or documentation to support my claim. 



Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2025-03-09 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GATEWAY FIRST BANK
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I had stated that i had no knowledge of this account and also asked for the purchase agreement or for it to be verified with a signed document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A person impersonated a landlord. On XX/XX/2025 and XX/XX/2025 I sent XXXX XXXX ( XXXX ) two payments of XXXX for a security deposit and first months rent. I used XXXX for the process and I am unable to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
Thank you for taking the time to review my case. My loans were originally sold to XXXX and I originally submitted the following documentation in XXXX of XXXX. My loans were then sold to or assumed by XXXX XXXX. I've uploaded the documentation to that portal and it states it was reviewed in XXXX of XXXX ; I've called twice and asked to speak to an agent with the most recent call taking place the week of XX/XX/XXXX. I asked to please speak with a loan counselor about the form because the dates being reviewed are incorrect. I was told I could not speak with someone I'd have to upload a case ; this is the third time I've attempted to upload the same documentation. I also tried submitting a complaint on the Student Aid.gov website ; I tried to submit a complaint three times and the website says " error '' that they working on the error and try again later ; it's been like this for a few weeks now. Essentially I have no way to talk to a human, explain what's going on, and I can not submit a complaint on their website. 

I worked for XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX. I'm not getting full credit for the time that I worked there and part of this is because I was in school ; I know those months do not count. However, the following months should count. 

XXXX, XXXX, XXXX, XXXX I have documentation attached here from the HR representative that shows I was employed those months. I have documentation here that shows that they acknowledge that I was a XXXX employee, but that I worked approximately 36 hours each week. I have documentation here that shows that they do not have the ability to verify hours worked due to the length of time ago that this took place. I'm requesting help to try address this, so my loans can be forgiven. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The date of the first delinquency does not match the date that I have. Under 15USC 1681 BE You must provide maximum possible accuracy. Also taking into consideration that CFPB is currently Suing capital one as well. I am requesting full disclosure of CMI of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
This complaint is regarding the handling of my credit report dispute. Despite providing clear explanations of the errors in my credit report, Experian has failed to conduct a thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ). The errors I have disputed are significant and have impacted my credit score and overall financial health. However, the investigation process was neither comprehensive nor compliant with the legal obligations Experian has under the FCRA to ensure that all information reported is accurate and complete. 
I have not received any substantial response or update regarding the status of my dispute, nor have I been provided with a detailed explanation of the findings or the steps Experian took to investigate these errors. This lack of follow-up and failure to correct inaccuracies is not only a violation of the FCRA but has also caused unnecessary harm to my creditworthiness. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Please see COMPLAINT ID : XXXX and XXXX for reference to the described errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is regarding the handling of my credit report dispute. Despite providing clear explanations of the errors in my credit report, Experian has failed to conduct a thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ). The errors I have disputed are significant and have impacted my credit score and overall financial health. However, the investigation process was neither comprehensive nor compliant with the legal obligations Experian has under the FCRA to ensure that all information reported is accurate and complete. 
I have not received any substantial response or update regarding the status of my dispute, nor have I been provided with a detailed explanation of the findings or the steps Experian took to investigate these errors. This lack of follow-up and failure to correct inaccuracies is not only a violation of the FCRA but has also caused unnecessary harm to my creditworthiness. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Please see COMPLAINT ID : XXXX and XXXX for reference to the described errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
Dear Credit Bureau I am writing to formally dispute certain credit inquiries that have been recorded on my credit report, which I believe are either inaccurate or unauthorized. The inquiries listed are as follows : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX 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 These inquiries were not authorized by me, nor do I recall ever granting permission for these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and have removed any unauthorized or erroneous inquiries from my credit report. 

As this is an urgent matter, I kindly request that you investigate these inquiries immediately and remove any that are not valid. The presence of these inquiries is adversely affecting my credit score, and I need them deleted as quickly as possible. 

Please provide written confirmation that these inquiries have been removed from my credit report. 

If any further information is needed from my end, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter.

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 2025-03-09 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: NJ

Complaint narrative:
Dear Credit Bureau I am writing to formally dispute certain credit inquiries that have been recorded on my credit report, which I believe are either inaccurate or unauthorized. The inquiries listed are as follows : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX 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 These inquiries were not authorized by me, nor do I recall ever granting permission for these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and have removed any unauthorized or erroneous inquiries from my credit report. 

As this is an urgent matter, I kindly request that you investigate these inquiries immediately and remove any that are not valid. The presence of these inquiries is adversely affecting my credit score, and I need them deleted as quickly as possible. 

Please provide written confirmation that these inquiries have been removed from my credit report. 

If any further information is needed from my end, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/2025 I transferred {$300.00} from my savings to my checking account. On XX/XX/XXXX I noticed the {$300.00} wasnt in my checking or savings account so I reached out to SoFi via chat. I found out that I had transferred {$300.00} from my SoFi savings to a US Bank checking account which has been closed for years. I told the agent the account was closed and they kept reiterating that I had done the transfer ( I have screenshots of the entire exchange ). The agent wasnt being helpful so I asked to speak to a supervisor. They told me the supervisor would say the same thing g and I again asked to speak to a supervisor. They told me a supervisor would come on the chat. They never did. I eventually ended the chat to start a new one and found out the call center had closed. The agent hadnt told me this. The next day I called the customer service line during business hours. They were not able to provide any information on how to get the money back. They said they would call when it was returned with no timeline. I still have no idea how to get the {$300.00} back into my SoFi account.

Company response to consumer: Closed with explanation