vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have been urgently trying to create a Nelnet account to pay my student debt, I have either been shown a screen after attempting to log in that says the website is down or a screen saying I have an account and I need to log in. I do not remember making any account with Nelnet. I have attempted to contact customer support over the phone and have not received any response after hours of wiring on call or the phone line not even connecting. After trying all of that I attempted to contact Nelnet email support and was lead in a very unhelpful loop where they told me to provide my information to get assistance and when I did provide the information they told me to call the customer support line that I already tried calling and also told me to log in to my account after being told that I was not able to and thats why Im contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a loan with Synchrony CareCredit with the initial balance of {$7800.00} initiated on XX/XX/XXXX. It was for a procedure where at the clinic, the representative who was selling the loan explained to me that it would have a 24 month promotional period of 0 % interest after which, if not paid off in full, the deferred interest would be accrued over the 24 months and added to the balance. She also told me that the account will be set so the automatic payments will pay off the loan before the promotional period finishes. I had agreed to set up a loan after some pressure from the representative due to the promotion and promise of no interest. Otherwise I would have attempted to pay upfront When I set up the account, the automatic payments made were the minimum payments instead of the amount agreed upon ( XXXX XXXX {$320.00} ). I feel like I've been lied to and this is deceptive practice. Now that the promotional period has ended on XX/XX/XXXX, the interest on the account has been applied and is {$4000.00} on top of the remaining balance of {$3600.00}. 

I called multiple times with customer service and escalated the call as much as possible to request to relieve the interest, or extend the 30 day grace period ( it is now around 41 days past the end of the promotional period ). None of the dozen people I talked to was able to provide a resolution.

I have written a formal complaint to Synchrony bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Imade a purchase from XXXX. The charge appeared for the item ordered. At the same tome a charge appearedby name XXXX  XXXX. The amount was the same as the order from XXXX. Igoogled the XXXX  XXXX and got name and contact number of the company. Their website requested to send an email ; I sent them an email but they never replyed. I called their phone number but box was full. Tried on seperated days. The company made and sold the item I ordered from XXXXXXXX XXXX XXXX XXXX. The charge was {$32.00} on XX/XX/XXXX. Then called my Visa Bank Card and disputed the charge. I got a letter from my XXXX XXXX  card center denying the dispute XX/XX/XXXX. I did not do any business with this company NOR did I give them my credit card number so it is a fraud. Regions Claims Resolutuion XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Creative Finance, Inc.
State: WI

Complaint narrative:
I have been paying on a car that I almost paid off, XXXX  years later my wages are still being garnished. I called to see how much I owe & can we come to a payment agreement & no one can answer my questions, they say they will call me back and dont, I asked for a detailed explanation for how much I owe, how much they resold the car for & why am I being charged so much. They tell me different stories, once I was told every time I start a new job the collection starts over, when I called last month they told me every few weeks Im changed a fee so they can review my loan. & they fee was XXXXXXXX XXXX they never sent me anything I asked for to get to the bottom of this. Ive been asking for over a year for paper work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased the American Express gift card XX/XX/year>, I paid a total of {$420.00}. I activated the card & attempted to use the card at XXXX different places getting declined for all expect XXXX place that only let me spend {$11.00}. So I have {$400.00} stuck on this card & im extremely upset about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I am writing to formally dispute incorrect information on my credit report. Upon reviewing my report, I noticed several discrepancies that do not accurately reflect my financial history. These errors are negatively impacting my credit standing, and I need them corrected immediately.

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
this compsny will lie to save theirselves!! listen to me closely. THIS WILL BECOME A LAWSUIT YOU GUYS ARE DEFRAUDING ME AND MY MONEY YOUR REPRESENTATIVES ARE LYING ON RECORDED CALLS.. 
Claim # XXXX I am formally demanding the immediate reversal of unauthorized ATM withdrawals from my account after my debit card was stolen. I reported this fraud and submitted a police report, yet my dispute was wrongfully denied. 

Furthermore, your representatives lied to me, falsely claiming there was no email or way to submit my police report. I have transcripts proving this. Because of your mishandling, I missed my rent payment, causing me financial hardshipand I now demand restitution in addition to my stolen funds.i call the bank and i have valid voice recording of them denying my claim to reopen my dispute and shes literslly avoiding all my questions These Transactions Were Not Mine I Do Not Own a Car I do not own a car, nor did I have any means to travel to these ATM locations. The transactions made were physically impossible for me to conduct. Since my card was stolen and my PIN was taken with it, these withdrawals were 100 % unauthorized.

Wells Fargo Is Violating Federal Law ( Regulation E 12 CFR 1005.11 ) Under the Electronic Fund Transfer Act, banks must : Investigate reported fraud within 10 business days ( or provisionally credit my account while investigating ).

Reimburse unauthorized transactions unless you can prove I personally authorized them.

Since you can not prove I made these transactions, your failure to reverse them is a clear violation of federal law.

If I do not receive a response confirming my refund and restitution within 24 hours, I will escalate this matter by : Filing formal complaints with the CFPB, OCC, and FDIC.

Pursuing legal action against Wells Fargo for violating Regulation E and damages. 
I expect an immediate resolution. Refund my XXXX money.

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 2025-02-07 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Several times I had cancel Zelle transaction that I did not authorize. Last one was for {$2200.00} which I made report, the call the bank to stop transactions was told filed claims and still never heard from them also bank was saying that theyve reach out to Zelle too. That just most recent one out many!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with TransUnion regarding a debt reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of disputed information and provide evidence of the verification process. However, despite claiming that they completed an investigation, TransUnion has not provided any documentation or proof that the debt was verified. 

This lack of documentation suggests that no proper investigation took place, which violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The FCRA requires credit reporting agencies ( CRAs ) to verify the accuracy of disputed information and delete it if verification is not possible within the 30-day investigation period. TransUnion has failed to comply with this requirement, as the debt remains on my credit report without proper verification. 

This is not an isolated issue. In XX/XX/2022, the CFPB filed a lawsuit against TransUnion for similar FCRA violations, including failure to investigate disputes and continued reporting of inaccurate information. My experience reflects these same patterns of non-compliance. 

I also invoke my rights under Section 609 of the FCRA ( 15 U.S.C. 1681g ), which entitles me to request all documents used in the verification process. TransUnion has not provided any such documents, further indicating a failure to meet their legal obligations. 

This issue is causing harm to my creditworthiness and financial standing due to the continued reporting of inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I have reviewed my credit report and noticed that this tradeline is not being reported with the maximum possible accuracy. This is a violation of my rights, and I am requesting the immediate deletion of this entry 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