vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a {$9500.00} collection account reported by a debt collector for an apartment lease at XXXX XXXX XXXX XXXXXXXX XXXX. I stayed at the property from XXXX 2024 to XX/XX/year>2024. The rent was extremely high, and management was very difficult to reach for assistance. 

I informed management that I could no longer afford to stay and needed to move. I was never told that I would owe this amount or that my account would be sent to collections. I received no final statement or breakdown of charges. 

I only became aware of this balance when it showed up on my credit report. I reached out to the property/collection agency to try and resolve the issue, but they refused to work with me or offer any kind of payment plan. 

This debt was reported without proper communication or documentation. It is unfair and damaging to my credit. I am requesting that the CFPB assist in having this account removed from my credit reports, as it violates fair reporting and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX purchased new vehicle with financing at 2.9 % for 72 mos, signed contract and took delivery XXXX dealership said they had to redo contract to add maintenance plan, approx {$240.00} additional cost XXXX could not get e-sign platform to work and instructed dealer to leave it as is, and not add any maintenance plan XXXX E-signed documents sent to me by email, however these did NOT include any new finance documents. I was told these were needed by the dealership because previous ones had been canceled XXXX received first invoice with substantially higher payment amount XXXX contacted XXXX XXXX to attempt to correct the issue. This went on for months with countless phone calls, sent copies of original contract showing correct terms. Received a copy of signed contract dated XX/XX/XXXX with my signature. 
XX/XX/XXXX - XX/XX/XXXX multiple emails back and forth with dealership to correct the terms XXXX vehicle repossessed even though payments on original contract were being made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone used my social security number to get an auto loan from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I am writing to formally submit a complaint regarding the services provided by MOHELA, loans also formerly known as XXXX XXXX, XXXX, and XXXX. 
I started college in XXXX at XXXX XXXX XXXX and quickly felt taken advantage of by my student loans. After graduating from XXXX, I struggled financially and called to find a way to repay my loans. I was advised to put them in forbearance, but no one explained that interest would accrue and compound to an unbelievable amount. 
I repeatedly asked for alternative solutions, but each time, I was pushed back into forbearance, with the interest growing. In XXXX, I was told to refinance my loans into XXXX larger loans, which only made things harder. I continued to rely on forbearance while working for a company that qualified for XXXX XXXX XXXX XXXX ( XXXX ) and attending school to improve my financial situation. 
In XXXX, after my payments continued to rise despite being in forbearance, I refinanced again, adding more interest to the larger loans. It was only then that I was told about income-based repayment, which promised loan forgiveness after 20 years. I began making payments in XXXX and never missed XXXX, except during the XXXX pause. However, my loan balance continued to balloon due to high interest. 
Over the years, my loan balance has nearly doubled because of compounding interest. If I had been properly informed about income-driven repayment options early on, I would not be in this position. I feel I was taken advantage of as a XXXX from a low-income background. I also think that all the information on my loan balance is incorrect because it has been transferred to several companies, throughout the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank failed to mark account as disputed and furnished misleading credit information Details of the issue : I submitted a dispute regarding an account reported by Comenity Bank to the credit reporting agencies. The dispute was submitted through XXXX and XXXX, on XX/XX/XXXX2025. Despite proper notification under the Fair Credit Reporting Act ( FCRA ), Comenity Bank has continued to report the tradeline without indicating that the account is disputed. 

This violates the following FCRA provisions : FCRA XXXX ( a ) ( XXXX ) Duty to Report Disputed Information If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
Comenity Bank continued to furnish data to XXXX, XXXX, and XXXX after receiving notice of the dispute, but failed to include the mandatory dispute notation, rendering the tradeline misleading and incomplete. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Duty Not to Furnish Inaccurate or Incomplete Information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
By continuing to report the account without noting the dispute and despite knowing the account is being challenged Comenity Bank has furnished information that is incomplete and misleading, in violation of the FCRA. 

This legal standard was affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that even technically accurate information can be materially misleading if a dispute is not reported. 

Additionally, the current remark on the tradeline reads : PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF. 
This is confusing and misleading, as it implies the account was both charged off and paid in full and is no longer owned by Comenity Bank. If the account was sold, XXXX should no longer be furnishing information at all and certainly not without disclosing a dispute. I have attacked XXXX pieces of evidence one is a letter advising they don't own the " Account and they were not going to fix the inaccurate and incomplete account on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows : Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Upon reviewing my Experian credit report on XX/XX/year>, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file. 

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. 

As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed on 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 2025-04-06 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: TX

Complaint narrative:
XXXX XXXX  failed to mark account as disputed and furnished misleading credit information Details of the issue : I submitted a dispute regarding an account reported by XXXX XXXX  to the credit reporting agencies. The dispute was submitted through XXXX and TransUnion, on XX/XX/XXXX 2025. Despite proper notification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  has continued to report the tradeline without indicating that the account is disputed. 

This violates the following FCRA provisions : FCRA XXXX ( a ) ( XXXX ) Duty to Report Disputed Information If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX XXXX  continued to furnish data to XXXX, TransUnion, and XXXX after receiving notice of the dispute, but failed to include the mandatory dispute notation, rendering the tradeline misleading and incomplete. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Duty Not to Furnish Inaccurate or Incomplete Information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
By continuing to report the account without noting the dispute and despite knowing the account is being challenged XXXX XXXX  has furnished information that is incomplete and misleading, in violation of the FCRA. 

This legal standard was affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that even technically accurate information can be materially misleading if a dispute is not reported. 

Additionally, the current remark on the tradeline reads : PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF. 
This is confusing and misleading, as it implies the account was both charged off and paid in full and is no longer owned by XXXX XXXX. If the account was sold, XXXX should no longer be furnishing information at all and certainly not without disclosing a dispute. I have attacked XXXX pieces of evidence one is a letter advising they don't own the " Account and they were not going to fix the inaccurate and incomplete account on 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  failed to mark account as disputed and furnished misleading credit information Details of the issue : I submitted a dispute regarding an account reported by XXXX XXXX  to the credit reporting agencies. The dispute was submitted through Experian and XXXX, on XX/XX/XXXX 2025. Despite proper notification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  has continued to report the tradeline without indicating that the account is disputed. 

This violates the following FCRA provisions : FCRA XXXX ( a ) ( XXXX ) Duty to Report Disputed Information If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX XXXX  continued to furnish data to Experian, XXXX, and XXXX after receiving notice of the dispute, but failed to include the mandatory dispute notation, rendering the tradeline misleading and incomplete. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Duty Not to Furnish Inaccurate or Incomplete Information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
By continuing to report the account without noting the dispute and despite knowing the account is being challenged XXXX XXXX has furnished information that is incomplete and misleading, in violation of the FCRA. 

This legal standard was affirmed in XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that even technically accurate information can be materially misleading if a dispute is not reported. 

Additionally, the current remark on the tradeline reads : PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF. 
This is confusing and misleading, as it implies the account was both charged off and paid in full and is no longer owned by XXXX XXXX. If the account was sold, XXXX should no longer be furnishing information at all and certainly not without disclosing a dispute. I have attacked XXXX pieces of evidence one is a letter advising they don't own the " Account and they were not going to fix the inaccurate and incomplete account on 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 explanation
Consumer complaint received 2025-04-06 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: MOHELA
State: IN

Complaint narrative:
My XXXX XXXX are supposed to be in forbearance and not accruing interest under the SAVE plan. I waited over 2 hours on hold to get in contact with someone who gave me XXXX responses to my questions. My account balance continues to go up despite being in forbearance. I was told an account audit would be completed in the next 5-10 business days. My account balance has continued to go up since being in contact with them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
On XX/XX/year> at XXXX i was at XXXX XXXX to buy groceries, my card wouldn't work, so I called Global credit union XXXX It took around XXXX minutes for them to answer. I then asked why my card wasn't working, they said they have an outage and they're debits aren't working. I asked about the ATMs and they said they won't work for debits as well. They then said they're branches are closed on Sunday, so I was told there was no way to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
- On XX/XX/XXXX, this card was used to purchase 3 XXXX  from XXXX XXXX XXXX for XXXX XXXX - 3 charges of {$120.00} - totalling {$360.00} - my XXXX XXXX card ending XXXX. 
- Original timeline was departing Split ( XXXX ) at XXXX XXXX arriving to XXXX ( XXXX ) at XXXX XXXX, and then flying from XXXX at XXXX XXXX XXXXo XXXX ( XXXX ). 
- XXXX changed their flights schedule on XX/XX/XXXX and sent a notification. Now the first flight leaves at XXXX XXXX from XXXX and gets to XXXX to XXXX XXXX Obviously its not physically possible to take the second flight that would have already left at XXXX XXXX from XXXX. 
- While airline has made connection physically impossible ( not a customer choice ), XXXX XXXX XXXX and XXXX are not responding and NOT helping to get any refund, cancellation or resolution. There is NO solution offered whatsoever. 
- I opened a dispute for these 3 changes totalling {$360.00}. 
- XXXX has responded to the dispute - MISSTATING that the flight is still available attaching the ORIGINAL schedule. They FAILED to attached the changed schedule. 
- I have on multiple occasions provided documented evidence to AMEX that flight has changed and requested to review my dispute. However AMEX on multiple occasions has closed my dispute stating that airline declated the flight is available ( based on old schedule ). AMEX is FAILING to review or respond based on the provided the NEW schedule information - dispite multiple times I uploaded this information.

- AMEX is failing to duly review the latest flight schedule information and simply ignores it - basing dispute decision on OLD schedule provided by XXXX. Requesting the NEW schedule to be reviewed and disputes honored with full refund of {$360.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I had a possible loan payment that due XX/XX/XXXX and XX/XX/XXXX. Both payments were automatic. I emailed to see why the payment did not clear my account yet. I emailed because it was after the XXXX and I wanted to make sure my credit was okay. I was emailed by XXXX who said your account is current and it just takes a few days. The loan is paid in fill and was XXXX. But they have me being reported as XXXX  days past due. I have reached out and no one can help. See the attached email where XXXX told me I was current. I understand errors happen, this is not my error and they are not fixing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC ss 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

These are the accounts I have marked as inaccurate : 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 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