vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Coerced into a settlement program by the agent. Refused to give information about it until verbally agreeing, specifically making it seem like it's the only option. Also leaked my information with Bureaus and exposing me. Refused to give any info on the status of the account regardless of what information I provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: DE

Complaint narrative:
FERPA violated. Requesting cancellation of all student loans

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) as my client has identified inaccurate, unverifiable, or outdated information on their credit report. The credit reporting bureau has requested a Power of Attorney ( POA ) as a prerequisite to processing the dispute. As the authorized representative for my client, I am attaching the required POA documentation to ensure compliance with their request. However, under the FCRA, credit reporting agencies are obligated to conduct reasonable investigations and can not impose unreasonable barriers, such as additional documentation, to dispute investigations ( 611 of the FCRA, 15 U.S.C. 1681i ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I reported some fraudulent and unauthorized charges that were made using my card. Bank of America stated that I would receive a new card in the mail but decided to close my account without a proper investigation. After multiple attempts to resolve this matter, Bank of America and I agreed to settle this matter by using a credit refund for the unauthorized. A representative from Bank of America agreed that I would pay the remainder of the balance, and the account would be removed from my credit report. Bank of America reported the card as past due for XXXX months, but I was told the account would be updated accordingly. Even if I had to pay the payments, I had automatic payment set up ; I could not be late. BOA and its representative failed to fulfill the settlement agreement by removing this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Im getting debt collection by XXXX, When I have money to pay the debt but not even sure what should I even pay from XXXX, I got an amount of XXXX $ but where should I pay it? It keeps bothering me but they never send the link to pay it or from what Im getting charged?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am writing to formally lodge a complaint against Experian regarding a previously removed account that has suddenly reappeared on my credit report without proper notification or justification. 

The account in question is listed as " XXXX XXXX '' with a balance of {$12000.00}, marked as charged off and in collections. This account was previously removed from my Experian credit report following a dispute regarding inaccurate or unverifiable reporting. To my surprise, during a recent review of my credit file dated XX/XX/scrub> 2025, I discovered that this negative item has been reinstated

without any new evidence or legal justification. This reappearance is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly as no notice of reinsertion was provided as required under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Experian failed to notify me within five business days of re-inserting the disputed information into my credit file, which is mandatory if the information had previously been deleted due to a consumer dispute. This act has significantly harmed my credit standing and financial opportunities, and I am requesting immediate intervention from your office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Dear National Credit Adjusters, I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/ and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize, did not benefit from, and have no connection to. I have already reported this matter to the Federal Trade Commission, yet these items remain unresolved on my report. This is completely unacceptable. The continued presence of these entries is a violation of my rights and must be addressed immediately. I demand their permanent removal 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 explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a 30-day late payment entry that was reported to the credit bureaus in connection with my Lexus Financial Services account . This late mark is both inaccurate and unfair, as it was the result of a delay caused by the involved financial institutionsLexus Financial Services and XXXX XXXX XXXXand not due to any negligence or failure on my part.

Background : Loan Approval Date by XXXX XXXX XXXX : XX/XX/XXXX Lease End Date with Lexus : XX/XX/XXXX Final Check Cleared Date ( XXXX  to Lexus ) : XX/XX/XXXX Despite my prompt actions and clear communication, the transfer of funds from XXXX XXXX XXXX XXXX Lexus Financial ( Toyota Motor Credit ) was significantly delayed due to lack of coordination between the two institutions. I maintained all my payment responsibilities with Lexus up to the lease end date and have account statements and payment history to support this. I also have email correspondence with both Lexus and XXXX showing my efforts to follow up and resolve the situation. 

Notably, I have written confirmation from XXXX XXXX XXXX acknowledging their delay and an apology for the mishandling. Lexus Financial also indicated via email that they would expedite the file due to the ongoing issues. Despite this, my credit report was marked with a 30-day late payment, which has negatively impacted my credit score.

Request : I am respectfully requesting that the 30-day late payment be removed from my credit report, as the delay in payment was due to third-party processing delays after my loan had already been approved and initiated. This mark is unjustly affecting my creditworthiness and was not caused by any action or inaction on my part.

I am prepared to provide all supporting documentation, including : Approval letter from XXXX XXXX XXXX Email correspondence with both institutions Payment history from Lexus Financial Services Written apology from XXXX Please let me know how I can proceed with submitting the supporting documents or if theres a department I should contact directly for resolution. I am committed to working through this process professionally and expect this matter to be addressed fairly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

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 non-monetary relief
Consumer complaint received 2025-04-14 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:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been an AMEX platinum card member for close to 20 years but I had a really harrowing experience with a recent thing with AMEX. Basically I made a travel reservation using my platinum points in XX/XX/XXXX for a trip in XX/XX/XXXX. However in XXXX I was told by my doctor that I needed to get XXXX done for my XXXX  hence I will not be able to travel for the XXXX trip. I contacted AMEX who asked me to get a medical letter from my doctor and to submit it to the airline for a refund. The overall cost of our trip was close to {$1200.00}. I got the letter and sent it to the airline - XXXX XXXX . The airline approved the full refund and asked me to contact my credit card company to get the details on the refund. Since XX/XX/XXXX to this month XX/XX/XXXX I must have made over 30 calls to amex, amex travel and they kept claiming that the airline has to make the refund. When I contact the airline - XXXX XXXX they have told me that the refund has been processed to AMEX ( see attached the latest email exchange with the airline ) The worst part of my experience has been that i have been bounced around different departments at AMEX - complaints, travel, card and no one was to solve it, they just keep passing the buck on. This is so disgusting, I dont understand why I pay close to {$700.00} in annual fees to AMEX to receive this type of a service. Here are my AMEX trip details : booking number : # XXXX. They gave me a complaint number which was XXXX - which was such a joke because I had a rude amex compaint person call me to tell me I am not supposed to file a complaint!!!! You can find my ticket numbers in the attached email as well. And if AMEX pulls up my calls to them they can see all the notes of the hours of conversations I had to try to explain the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
We have an installment loan with M & T Bank for the purchase of a boat. We have attempted on multiple occasions to make principal only payments in addition to our regular monthly principal and interest ( P & I ) payment. After noticing on the loan statement that the additional payments were not being applied to just the principal balance, we contacted M & T Bank to inquire about how to go about making principal only payments. The associates we've spoken to on 3 different occasions said there is no way for us to make a principal only payment on this loan. We've never heard of such a policy that would prevent a customer from paying down the loan more quickly in an effort to reduce the interest paid over the life of the loan.

Additionally, we requested a copy of the loan 's amortization schedule. We were informed they could not produce an amortization schedule for the loan. Its a fixed rate, fixed term loan with a fixed monthly P & I payment so I don't understand how an amortization schedule can not be produced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: LA

Complaint narrative:
DEPT/NELNET has improperly used my private personal information and have not protected the data from the transfer of securities. This breach of information is negatively impacting my personal financial reputation and should be updated in your information systems. 1 ) ( A ) " Breach of the security of the system '' means unauthorized acquisition of computerized or other electronic data or any equipment or device storing such data that compromises the security, confidentiality, or integrity of personal information maintained by the person or entity doing business on behalf of. Please update payment accounts on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
In XXXX of last year, I was having a financial hardship, and reached out to First Investors to keep my loan on track. They recommended a program that would drop my interest to 6 % for 6 months, considerably lowering the payments. I completed the contract in XXXX, and went to check my principal balance. It was the same as before I started. {$0.00} for 6 months were applied to principal. All payments before and after this program show amounts applied to principal. I am about halfway through my loan, so principal should be about half of every payment, but it isn't. I called them and spoke to the collections manager, XXXX, who told me it was because off fees and interest nothing was applied to the principal. This is some shady stuff that a consumer shouldn't have to be worried about with a reputable company.

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