vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I am filing this complaint to address XXXX 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, and filing prior CFPB complaints ( # XXXX on XX/XX/year>, Experian reinstated fraudulent accounts without providing a valid reason. 

XXXX XXXX  XXXX account number : XXXX Experian has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

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 2025-05-22 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment notations reported on my open credit card account. The reporting of these late payments may violate both consumer protection laws and contract law principles, as well as potentially the Fair Debt Collection Practices Act ( FDCPA ), for the following reasons : 1. Violation of Fair and Accurate Credit Reporting ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate and complete. If an account is reported as open but is simultaneously marked with late payments in a manner inconsistent with the contractual terms ( for example, during an active forbearance, deferment, or dispute ), that would constitute inaccurate reporting.

2. Contract Law Performance and Notice Obligations : Under basic contract law, a creditor and borrower must both adhere to the agreed-upon terms. If the creditor did not properly notify the borrower of missed payments, failed to apply grace periods, or accepted payments without notifying of default status, then reporting late payments violates the duty of good faith and fair dealing. An open account implies ongoing activity and rights and unless default or delinquency has been legally declared and communicated, negative reporting may not be contractually justified.

3. FDCPA Unfair or Deceptive Practices ( if third-party collection is involved ) : If a third-party debt collector is involved in reporting or collecting, under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to report or threaten to report false or misleading credit information. Mischaracterizing a current open account as delinquent without proper basis or verification could constitute an unfair practice, as defined in 15 U.S. Code 1692e.

4. Consumer Harm and Injury : Improperly reporting late payments on an open account causes undue damage to the consumers credit profile, impairs their ability to obtain credit, and may lead to financial injury a direct violation of the protections intended under both FCRA and FDCPA.

Request for Action : I respectfully request that Experian investigate this matter, remove any inaccurately reported late payments, and provide written confirmation of this correction. Please consider this a formal dispute under the FCRA, and treat it with the urgency required by federal law. 

Sincerely, 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 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NJ

Complaint narrative:
Subject : Complaint Regarding Potentially Inaccurate and Deceptive Practices by XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Dear CFPB Representative, I am writing to formally file a complaint concerning what I believe to be potentially deceptive and inappropriate practices carried out by BHG Financial and possibly by their affiliate, XXXX XXXX XXXX XXXX, in relation to a recent loan application. 
Summary of Events : On XX/XX/XXXX, I received an email from BHG Financial inviting me to apply for a personal loan, which they stated had been pre-approved and would not affect my credit score. 
That same day, I was conditionally approved for a loan of approximately {$94000.00}, pending income verification. 
As part of their verification process, BHG Financial requested and I provided the following : 1. A signed XXXX XXXX XXXX, which unexpectedly authorized access to my tax records and any civil penalties dating back to XXXX through XXXX. I was assured in writing that only the last XXXX years of tax data would be used, and that this would eliminate the need to send lengthy tax documents manually. 
XXXX. A copy of my most recent retirement account statements ( IRA ). 
On XX/XX/XXXX, I received an email from BHG Financial stating : " At this time we are unable to move forward with your application. Details to be mailed within XXXX business days. '' Concerns and Red Flags : XXXX. Excessive XXXX XXXX : Why was I asked to sign a document ( Form XXXX ) that grants access to XXXX  years of tax records, when only XXXX years were supposedly necessary? 
XXXX. Unclear Need for XXXX  XXXX : Why was my retirement account information required for a personal loan? 
XXXX. Questionable Pre-Approval Process : Why was I offered a " pre-approval '' followed by an abrupt denial without clear justification? 
Since the denial, I have become increasingly concerned about the handling of my personal information : I am now receiving an average of XXXX calls per day from various third parties claiming I need to " complete documents for a loan pre-approval. '' I do not understand how these companies obtained my contact details, and I fear my personal data may have been shared or sold without my consent. 
I am deeply uneasy that my Social Security number, address, date of birth, IRA account information, and tax history may now be exposed or misused.

Requested Actions : I respectfully request the following : 1. Written assurance from both BHG Financial and XXXX XXXX, XXXX that my personal information has not been sold, shared, or misused in any way.

2. Confirmation that all personal documents and data I provided have been permanently deleted or destroyed from their records and databases.

3. A clear statement that I am no longer under consideration for any loan, and that all communication from these entities and any related third parties will cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX  is reporting a charge-off account from American Express ( Acct # XXXX ) that is inaccurate and unverifiable. I submitted a certified, notarized dispute to the creditor requesting full documentation under FCRA, including signed agreements, billing history, XXXX XXXX compliance records, and proof of the charge-off process. No such documentation has been provided. XXXX continues to report the tradeline without verifying its accuracy, violating : FCRA 1681e ( b ) : duty to ensure maximum accuracy FCRA 1681i ( a ) ( 1 ) : reinvestigation required FCRA 1681i ( a ) ( 5 ) : delete unverifiable data I request the full deletion of this account or immediate correction of the inaccurate charge-off and derogatory marks. This account is harming my credit unjustly and XXXX  has not upheld their legal responsibility. 

XXXX  continues to report a charge-off account from American Express ( Acct # XXXX ) that lacks proper verification. I disputed this account directly with AMEX through a notarized letter, requesting specific documents including : original agreement, billing statements, full XXXX XXXX history, and a breakdown of charge-off procedures. No valid response or supporting documents were received. XXXX reporting is a violation of : FCRA 1681e ( b ) : failure to assure maximum accuracy FCRA 1681i ( a ) ( 1 ) : reinvestigation failure FCRA 1681i ( a ) ( 5 ) ( A ) : failure to delete unverifiable data I am requesting complete removal of this account from my XXXX  file due to non-compliance with FCRA. 

I sent a certified, notarized dispute letter to American Express ( Acct # XXXX ) requesting full validation of a reported {$18000.00} charge-off. I specifically asked for : a signed contract, last billing statement, charge-off timeline, XXXX XXXX XXXX logs, and an itemized accounting of all charges and payments. AMEX has failed to provide any documentation or respond in good faith. This violates : FCRA 623 ( a ) ( 1 ) ( A ) : furnishing accurate info required FCRA 623 ( b ) : must investigate and correct after notice FCRA 605B : obligation to block disputed information if unverifiable AMEX is still reporting this account to all three bureaus, despite not validating the debt. I request the CFPB investigate and compel AMEX to either provide full proof or immediately delete this tradeline from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app closed my account saying there was a fraud transaction that goes against there policy. When I haven't done nothing no different than before. I was receiving money from doing XXXX  because i am a XXXX XXXX XXXX XXXXt and alot if my clients pay me thru cash app. I also connected my cash app to my debit card thru my XXXX XXXX XXXX XXXX XXXX so when I withdraw the finds it will go directly to my checking account thru XXXX XXXX XXXX. Then when I reached out to customer service to ask them why did they closed account i couldn't never speak to a live person they would always send me emails for me to contact them that way. Amd they never explained why they closed my account in details just nothing. Then I started adding money to the XXXX  account and they won't allow me to takey money out of my XXXX  either {$49.00} was left on my XXXX account thru cash app. Then I created another cash app account using my 2nd email address and the same thing happened again the deactivated my account saying fraud but with no specific explanation of what the issue is. I want my money back off the XXXX  and I tried emailing about that and still didn't get no help with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX I saw XXXX  transactions pending on my Ally checking account which I did not recognize, which were as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called Ally bank customer service right away on XXXXn\nAt this time, the customer service rep at Ally also told me verbally that he was able to see a person had made an XXXX account using my name and had also created and added my card to a XXXX account, a XXXX XXXX XXXXccount, and several other apps. The Ally rep turned off my card and told me to wait until the charges post to dispute them.\n\nI disputed these charges with Ally on XXXX I was refunded the money from XXXX on XXXXXXXX. I was given a provisional credit for the XXXX XXXX charge by Ally at this time as well.\n\nOn XXXX XXXX XXXX XXXX  withdrawn from my account and received a letter stating Ally was withdrawing the provisional credit because they have confirmed the purchase at XXXX XXXX was authorized.\n\nI called Ally on XXXX and requested to receive the information used in the investigation. I confirmed I would like to receive this on paper via mail rather than email. However, the paper copy I received today, XXXX  supposedly contains a link to the proof that I am using the purchased item, which I cannot access via a paper copy. \n\nI can see on the paperwork that the address used via XXXX XXXX is my home address but is not my full address - it does not include my apartment number. An email I have no association with (XXXX) was used to make the purchase. I did not receive any product to this address. \n\nI called Ally to request further paperwork and to file an appeal. I was told through this conversation on XXXX  that I can only file a new dispute if I have additional information than what was provided at the initial dispute. I stated that I do not know what was included initially as I was not asked many questions but that I was told by an Ally rep verbally that my card was being used on several accounts and being added to more while we were speaking and that this was obviously fraud. I do not think this information was included in the dispute but was only told to me verbally while charges were still pending. \n\nThe ally rep additionally told me he was uncertain on what would serve as proof of fraud, what is defined as fraud, or what evidence I could provide that this was not an authorized purchase. I do not have a clear path forward with Ally to remedy this situation as a result.'

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 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts XXXX XXXX XXXX Account Ser : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A hard inquiry from XXXX XXXX XXXX XXXX appeared on my credit report on XXXX XXXX  but I did not give permission for this company to pull my account. This inquiry was done without my consent, and I am requesting that it be removed immediately under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Last year I requested Freedom Mortgage ( XXXX : XXXX ) for my loan to be placed/submitted for the XXXX program XXXX I have become XXXX and can not pay my regular mortgage payment. The XXXX program was a home retention alternative for veterans. Freedom mortgage told me that they were going to submit my information to the VA and in the meantime to request a forbearance, which I did. Come to find out today ( XX/XX/XXXX ) that my forbearance period is ending at the end of XX/XX/XXXX. 

When I called today to see if they sent the information to the VA the person that I spoke with ( her name is XXXX XXXX, told me that I was not approved for the XXXX. when I initially spoke with Freedom mortgage, they told me that I qualified for the XXXX furthermore, Furthermore, I know the requirements for that program and I qualified for it because at the time of my request my loan was not in default. In addition, I had been making steady payments for over a year and a half. I called VA after I hung up with Freedom mortgage and they told me that they never even received anything from Freedom mortgage regarding my XXXX application. 

Freedom mortgage unilaterally took it upon themselves NOT to submit my information to the VA and now the window for that program is closed which leaves me open to foreclosure. What is it that I am supposed to do now? Im sure they are gon na want me to modify my loan to the current rates which are higher than my initial rate of XXXX apr ( which is a racket btw ) and If I dont take that modification, the next thing will be foreclosure and I will be out in the street.

Ive served my country and do not deserve to be treated like this. I certainly not. Especially when I did everything I needed to do.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargos mishandling of a fraud claim totaling {$5800.00} in unauthorized debit card transactions. 

On XX/XX/XXXX, my Wells Fargo debit card was stolen, and the thief made several fraudulent transactions. I reported this to Wells Fargo immediately and was told a claim would be opened. I also complied with their request to file a police report, which I did with the XXXX XXXX Police department, case number XXXX. 

During their investigation, Wells Fargo confirmed they had security footage of the person using the card, which proves I was not the one making the transactions. However, despite clear evidence, Wells Fargo closed the claim and denied reimbursement.

I believe this is a violation of my consumer rights under the Electronic Fund Transfer Act ( Regulation E ), which requires the bank to properly investigate and resolve fraud claims. Wells Fargo 's handling of this case reflects negligence, breach of contract, and disregard for federal consumer protection laws.

I am requesting that Wells Fargo reopen the claim, conduct a proper investigation, and reimburse the full {$5800.00} that was fraudulently withdrawn from my account.

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 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I received inadequate notice that my accounts were delinquent ; there were no emails to my email on file, as they claimed there was, and two phone calls were made with generic information for NELNET 's services. The only notification about the accounts was to my Nelnet inbox, I believe, on XX/XX/XXXX, reporting me to be 90 days late ; there was no 30 or 60-day notice. This inadequate notification resulted in a XXXX XXXX XXXX drop for XXXX missed payments, all hitting my account on XX/XX/XXXX. I have attempted to dispute these actions taken by Nelnet. However, the dispute was rejected, and the company accepts no goodwill letters, which brings me here. To put it plainly, if I had been correctly notified, I would have paid the balance without a second thought. I have built my credit myself from the ground up and have had an otherwise perfect history of all accounts, never a missed payment on anything. As of today, all of my accounts are current, and there is no payment to be made as all of the loans are in deferment due to my full-time student status. Even if the correct measures were taken to notify me, along with millions of Americans, the consequence does not match the transgression. I believe these steps taken were in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation