vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: AZ

Complaint narrative:
I applied for the income driven repayment plan SAVE and applied to consolidate my XXXX loans in XX/XX/year> with Edfinancial. My loans appeared to be consolidated and placed on the SAVE plan after applying. 

After consolidation the following loans were applied to me : XXXX. XXXX XXXX XXXX - XXXX {$50000.00} 4.300 % XXXX. XXXX XXXX XXXX - XXXX {$51000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$51000.00} XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX {$50000.00} XXXX XXXX XXXX XXXX XXXX Consolidated {$65000.00} with XXXX  % I then filed a complaint with CFPB in XX/XX/year> regarding loans XXXX above as I was enrolled in SAVE plan and should be in general forbearance without accruing interest for all the loans above. I also requested they take the applied interest for loans XXXX above off my total balance and reset my loan to original principal as it was wrongly applied. After several weeks to months Edfinancial responded and they removed the accruing interest for only loan XXXX XXXX with the following response : " After reviewing your account, it was determined that we received your Saving on A Valuable Education ( SAVE ) application before your XXXX XXXX loans were paid in full through consolidation. Subsequently, the SAVE application was processed to your XXXX XXXX loans instead of the Consolidation Loan as you had intended. We have placed your SAVE application back in a pending status, as is required by the SAVE injunction. A forbearance was placed on your account from XX/XX/year> to XX/XX/year> to ensure you get credit towards forgiveness and the 0 % interest on the XXXX XXXX. Moving forward, the SAVE forbearance was placed on your Consolidation Loan, setting the interest to 0 % during the SAVE forbearance, and your SAVE application will be processed once we are cleared to process those applications again. " MY PRIMARY REQUEST REGARDING THIS COMPLAINT : Please remove the accruing interest on all my loans XXXX above and remove historically applied interest from my total balance from the time I was approved for the SAVE plan and reset my loan balance to original principal. 

I've tried several times to resolve this issue via phone and online messaging and I have gotten mixed responses which I believe to be inaccurate. I've submitted multiple SAVE applications already on Edfinancial 's website.

Per XXXX XXXX XXXX  I should be in general forbearance on the SAVE plan. Additionally, if I was in processing forbearance I should have been placed in general forbearance as Edfinancial has 60 days to process my application into general forbearance. It has been nearly 6 months since they responded to my last complaint and well over the 60 day period. 

Could you please assist me with filing this complain and helping to instruct Edfinancial? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
i was sent automatic responses from their system by mail and electronic messaging asking me to send information i already sent like verifying identity with documents, form of id bills or recent mail with correct address and secondary form ( social security card ) after sending them the following several times over the course of XXXX  months : Please not that i signed and dated the document sent through certified mail several times. 

Dispute of Inaccurate Information under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) Dear Experian, I am writing to formally dispute the accuracy of the accounts listed on my credit report under the names : XXXX, Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX DEPT OF EDXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Account Number : XXXX which I found to contain several inaccuracies. As per the Fair Credit Reporting Act, 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ), I am entitled to have my credit report reflect 100 % accurate information, and if this is not the case, the information must be corrected or removed. 
I have reviewed the account and noticed the following inaccuracies : incorrect payment dates, incorrect balance, incorrect status, name spelled wrong address Given that the information on this account is not accurate across all three credit reporting agencies, I am requesting that the account be updated to reflect accurate information or completely removed from my credit report in compliance with the law. According to 15 USC 1681e ( b ), the reporting agencies are required to maintain accurate information, and under 15 USC 1681i ( 5 ), they must promptly investigate any disputed information and correct any inaccuracies. 
Please investigate this matter and provide me with the results of your findings. If this request is not resolved within 30-45 days, I will move forward with legal action to seek damages of {$1000.00} for each inaccuracy listed on my credit report as provided under the law. 
I have included copies of my credit report and any other relevant documentation that supports my claim. Please ensure that my request is processed promptly in accordance with the law. 
Thank you for your immediate attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX Signed :

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete item of information from the file of consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened the acxount with Citibank this year I XXXX I didnt use the card until I got I remember on XX/XX/XXXX I believe I did a transfer from my bank in the amount of {$300.00} and some change I made a few transactions that day very small and I tried to use my card later that day for some drinks at like a lounge and it declined later that evening I called my card and it asked if the transactions were made by me I said yes and it said I can try to use my card again. I tried to use it and it declined again I called the bank they told me that they have to send me a letter with a reference number to verify me I said okay cool the letter will take XXXX business days to arrive I waited and maybe like the XXXX business day I went inside the bank to see if it was something they can do and they advised me its nothing they can do and the letter XXXX take up to XXXX  days but the Customer service XXXX XXXX it would take XXXX business days I waited after XXXX business days still no letter called the bank and I asked them why am I unable to use my card what is the reason they told me they can tell me anything and I should be able to get a reason why I am unable to use my debit card I provided them with all my information and they still can tell me ridiculous.. I called them multiple times they kept saying its nothing they can they are literally holding my money and I have no explanation as to why I cant get it. I called today they tried to use a old phone number on my account that I no longer have access to, to verify me they told me they cant help me they would have to re send the letter I said what is the reason why I cant use my card or why my account is restricted she still couldnt tell me.. I only have {$100.00} in the account its not a large amount its no way they are holding that small amount of money in the account without telling me whats going on im frustrated and If I have to sue them for the little amount of money that I do have then I will do that

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing this complaint regarding Chase Card Services and their handling of a credit limit reduction and the promised reconsideration process, which I was systematically and deceptively denied access to. 

On XX/XX/year>, I received a letter from Chase notifying me of a credit limit reduction on my XXXX XXXX card down to {$1100.00}. The letter clearly stated I had 60 days to request a reconsideration based on any financial improvements made. A similar reduction was issued on my Chase Visa card, reduced from {$6000.00} to {$3400.00}. 

I took this window seriously and worked hard to improve my financial profile. By mid-May, I had reduced my credit utilization to below 15 percent, raised my credit scores, and maintained on-time payments with no new accounts opened.

Believing I was following Chase 's instructions, I contacted them on XX/XX/XXXX still within the XXXX window and was told by their XXXX Office XXXX XXXX account would be reviewed and that I would receive an update by XX/XX/XXXX or XX/XX/XXXX at the latest. I followed up as instructed. 

However, on XX/XX/XXXX, I was told that no reconsideration request had ever been submitted and that because the XXXX window had now technically closed by XXXX days, I was no longer eligible. At no point during my calls was I told I had to take additional steps to formally apply for reconsideration. In fact, I was passed between departments multiple times and told it was being reviewed. 

Chase denied me not because I missed a deadline, but because they intentionally kept me from understanding how to meet it. Their agents repeatedly failed to inform me that I needed to submit anything beyond the calls and follow-ups I diligently made. Then, after the deadline passed, they used this omission to dismiss my eligibility. 

This is a failure of transparency and a deceptive business practice. I am requesting that Chase be required to conduct the reconsideration they promised and that I attempted to pursue in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Over the past few months, I attempted to deposit cash into my Suncoast Credit Union checking account multiple times using their ATM. Each time, the ATM either rejected the bills or returned the entire deposit after appearing to process it. I do not have the exact dates, but it happened on more than one occasion.

I work night shifts, and I am paid cash only, so I am unable to go into a branch during standard banking hours. The ATM was the only method available to me to deposit money and keep my account in good standing.I inly ever deposit money maximum twice a month. I tried different days and forms of cash, but the ATM consistently failed to accept my deposits. This was discouraging. Eventually, I stopped attempting because I couldnt risk losing or damaging my funds.

Because of this, my account fell into a negative balance and has now been charged off. I was not neglecting the account. I was actively trying to deposit money and was blocked by the banks systems. I also received no adequate resolution from XXXX  despite my efforts.

This charge off has damaged my banking reputation and may prevent me from opening new accounts or managing my finances safely. It feels unjust and entirely avoidable if the ATM system had functioned properly or if I had access to alternative deposit options during my available hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-29 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: CA

Complaint narrative:
Every company ignored my request submitted to CFPB. They requested my identification which I have submitted several times. It is just a stall tactic for them not to address the issue I was inquiring about. The investigation took over 30 days and all they did was send out a request for me to prove my identity.

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 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I took out a personal loan in XX/XX/XXXX for the amount of {$25000.00}. On XX/XX/XXXX, I made a final payment of {$6400.00}, which was the full payoff amount provided by the company. After that payment, I considered the loan fully paid off. 

However, today, Thursday, XX/XX/XXXX, I was charged again for {$280.00}. I immediately called the company to ask for an explanation. After being kept on the phone for over an hour, they told me the account was never officially closed. This is incorrect, because the last payment I made in XX/XX/XXXX was clearly for the full payoff amount that they themselves provided. 

I believe this new charge is an error or unjustified, and I am requesting a full investigation and refund. The company has not provided a clear or valid explanation, despite my efforts to resolve the issue directly with them.

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 2025-05-29 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I did not give Chase/JPMCB permission to view and obtain my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-29 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am filing this complaint against Barclays Bank for submitting false and misleading information to the Consumer Financial Protection Bureau ( CFPB ) in response to my previous credit card dispute and for violating my rights under federal law. 

In their response to my original complaint, Barclays claimed that they had fully investigated my dispute and found no evidence to support it. However, they explicitly admitted in that same response that they did not offer me any method to submit documentation relevant to my case. They use language such as not being allowed to upload documents electronically yet offered no alternative such as a physically mailing address or fax. This admission directly contradicts their claim of conducting a proper investigation.

A fair investigation is impossible if the consumer is denied the ability to provide evidence.

Under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, which is part of the Truth in Lending Act, card issuers are legally required to : 1. Acknowledge a billing dispute within 30 days, and 2. Conduct a good faith investigation and resolve the dispute within two billing cycles ( not exceeding 90 days ).

Barclays failed on both fronts. By refusing to give me a way to submit documentation, they violated the FCBA and knowingly misrepresented their investigations completeness in their CFPB response. 

In addition to these violations, I am now attaching supporting documents that Barclays failed to consider. These documents clearly demonstrate that the transaction in question was not an in-store purchase, contrary to their claim. The content and details of the documentation match the exact transaction that appeared on my account further proving that my original dispute was valid and that Barclays so-called investigation was not only incomplete, but intentionally dismissive.

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