vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was current on my mortgage when my wife lost her job and we inquired to PennyMac about a forebearance to help us lower the payment while she looked for another job. I was instructed that while on forebearance whatever my loan status was at that time, would continue and my credit would be protected. I have attached my credit report as proof of the status of my mortgage from XXXX during my forebearance as they did report it as current up until XX/XX/XXXX when I called them to discuss coming off forebearance and being making regular payments. We were granted a forebearance plan and made all payments required and were told our credit would not be affected as long as we paid each month as we did. We decided to end our forebearance and were then instructed that we could apply for a modification to handle the outstanding amount due and if approved, could modify the loan to put the amount to the back of the loan and begin making regular payments. I asked if this would in any way affect my credit and I was told no and that was why they offered such an option. I went ahead and accepted the modification they offered and came off forebearance voluntarily early to get back in track and start making payments as they instructed. The following week I received a credit alert stating PennyMac had now reported in XXXX of 2025 that my loan is now 90 days past due. All the way through XXXX it was reported current. I called PennyMac the same day I received the alert and the representative said on a recorded call my credit would be corrected once the modification was done being processed. I followed up again later with another representative today who then said the 90 days late would remain even if I paid everything to current. I was never told any of this during any part of my conversation while considering coming off forebearance or modifying my loan and was only instructed that these options would protect my credit as long as I did what they requested as part of the forebearance plan and loan modification. I was never told once about any negative reporting until after that my credit was already being reported as 90 days late this month as I have never been late on my mortgage in all the years I have had it with PennyMac. I asked for a transcript of the recorded call where the representative said my credit would be updated to reflect current once the modification was completed, and was told I would need to file a lawsuit and subpoena the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
After numerous attempts, I am writing to formally demand the immediate deletion of fraudulent accounts and inquiries that appear on my Experian & XXXX credit profile. As a documented victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ), CFPB and the guidance provided by the Attorney Generals Office concerning victims of these crimes. Experian & XXXX is legally obligated to act promptly to ensure these fraudulent accounts are permanently removed. 
After years of numerous attempts to work with Experian XXXX XXXX in unsuccessful outcomes in sham investigations. Experian & XXXX, you have violated the FCRAs and CFPB requirement for handling my disputes, which has caused me great damage, as a consumer, great suffering and harm to my way of living by : Improperly reinserting very inaccurate information on my credit report. 
Conducting sham investigations that has failed to properly address and correct my disputes time and time again. 
I cant obtain a good vehicle or a home mortgage, due to these circumstances.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Good afternoon, I have used my Chase credit card for several years and have never been late or missed a payment. I attempted to purchase a gift card online and was immediately declined. I contacted Chase and was told all fraud and security alerts had been removed. I attempted again with a different merchant / different gift card and the same result. I have gone into stores and attempted to purchase physical cards. These multiple attempts advised by Chase resulted in my account being under review unable to use my card for anything and me having to call in the next following business day to verify my identity. I would have to call the following business day due to the department being closed. My card being turned off would cause me to miss automatic bill pays I have set up causing me late fees with other merchants/accounts. This has been going on almost two weeks now. I have only purchased one or two gift cards on this credit card since opening the account in a 5 year span. I have talked to several supervisors in almost all departments including Chase customer protection and service department and no one can give me answers or resolve the problem. Chase should be well aware of my issue. XXXX XXXX - XXXX XXXX XXXX XXXX, VA XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
Reinserted Information without notification, which is a violation of FCRA Section 611 ( a ) ( 5 ) ( B ) XXXX XXXX XXXX XXXX {$13000.00}

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re- investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account approx. on XX/XX/year> thru my " personal Citibank Banker '' he did the work via his computer. There was no paper work given me. I was told that the account would accrue interest of over 4 % and I would have access to the money. I had had an account like this prior to this account in the past. Everything was fine until I checked after the first of the year re my interest in this account that had over {$500000.00} in it. I saw I had only received {$100.00} in interest approx. for the month of XX/XX/year>. I was shocked and went into the bank and was told by my " personal banker '' that it was MY RESPONSIBILITY TO KNOW WHEN THIS unadvertised special promo expired. I find this to be appalling since we had banked with them since the mid XXXX 's and had used their investment accounts. This account was not an account available to the general public and I had not received or signed any paperwork to open it. I normally was receiving approx. {$1800.00} in interest every month.

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 2025-01-14 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 9 am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX  XXXX XXXX amount : {$770.00} XXXX  XXXX Total amount : {$290.00} XXXX XXXX Total amount : {$34000.00} XXXX XXXX Total amount : {$4600.00} the inquires below were not made by me but made under my name new country XXXX made on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-01-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
GoDaddy.com AI system charged me {$330.00} three times on XXXX XXXX 2024. 
I filed a dispute with American Express Business Card online customer service system. 
I received a credit for {$330.00}. The problem there are two more {$330.00} charges on my balance. Producing a overcharge {$670.00}. GoDaddy.com has corrected their billing. I notice the situation during annual account review. 
For some reason when calling XXXX I receive AI prompts that can not address the issues. Request CFPB find a real person and credit my credit card account. 
XXXX XXXX 2024 XXXX XXXX XXXX account. I requested discontinue paying XXXX I am still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
( I HAVE ATTACHED 3 SCREENSHOTS FROM INDIGO CC website page ). I received my Indigo credit card ( through XXXX Bank ) the week of XX/XX/XXXX. I immediately went online to activate the card. I have made several purchases within the last week. I received an email today ( XX/XX/XXXX ) to register my card. I clicked on the link inside my email to go directly to the Indigo credit card site & to set up my account. They ask for my email address, a password & my FULL SOCIAL SECURITY NUMBER in order to register my account.! did input my FULL Soc Sec # which was VERY UNCOMFORTABLE. I entered this same information 6 times & read the agreement. When I click on " ACCEPT '' I got an error message 6 times & my account could not be registered. I called Indigo & spoke to a Rep & she didn't know what to do so I asked to speak to a supervisor. The time was around XXXX EST. The supervisor didn't know how to fix the problem either or knew how to troubleshoot to fix the issue. Her name is XXXX & her agent # is XXXX. She suggested that I use XXXX browser to get to their website & to register my credit card acct. I asked why would she even suggest such a thing because I got hacked through XXXX more than once in the past & will never use it again. She then says she was escalating my account so that everything would be reset and said for me to wait 24 hrs & try again & call them back. I am so very nervous about all this info that I input, especially my FULL Soc Sec #. I didn't get any help or was able to speak to anyone knowledgeable to fix the problem. No one knew what to do & they never offered for me to speak with a technician. I was trying to view my account to verify that every purchase made was mine & to make a payment if that were possible. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Equifax for Failure to Address Credit Report Inaccuracies To Whom It May Concern, I am writing to formally file a complaint against Equifax regarding their refusal to handle my case involving inaccuracies on my credit report. Despite my repeated attempts to resolve this issue, Equifax has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit report. 

Specifically : 1. Refusal to Verify My Identity : I have repeatedly contacted Equifax to address inaccuracies on my credit report. However, they have refused to verify my identity, making it impossible for me to proceed with my dispute. 
2. Irrelevant Verification Questions : During these interactions, Equifax asked questions that were entirely unrelated to my identity or credit history. These questions served as unnecessary barriers rather than legitimate verification measures. 
3. Failure to Address Submitted Documentation : I have already sent Equifax documentation proving that the inaccuracies on my credit report do not belong to me. Despite providing this evidence, Equifax has failed to take appropriate action to investigate or remove these items from my credit report. 
4. Ongoing Refusal to Provide Assistance : Equifax has repeatedly denied me the support I need to ensure my credit report is accurate. 

These actions have caused significant frustration and have prevented me from ensuring that my credit report accurately reflects my financial history. As you are aware, credit reporting agencies are required by law to investigate disputes and correct inaccuracies within a reasonable timeframe. 

I respectfully request the CFPBs intervention to ensure Equifax complies with their legal obligations. Specifically, I ask for : A full investigation into Equifaxs handling of this matter. 
Immediate removal of the inaccurate items from my credit report based on the documentation I have already provided. 
A directive to Equifax to use reasonable and relevant methods to verify my identity in future disputes. 

I have attached all relevant documentation, including copies of the evidence I sent to Equifax and proof of my communication with them. If you require additional information, please contact me at XXXX or via email at XXXX. 

Thank you for your time and attention to this matter. I trust that the CFPB will help resolve this issue and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing to you in regards to my account with American Honda XXXX. I would like to request the lease agreement and any and all communications with them since. I see late pays reporting for an account that I am a cosigner but was never notified of any issues with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Date XX/XX/2025 around XXXX from the number XXXX i got called saying to call number XXXX Or else they will serve me paper and sue me if i dont pay them {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-14 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: KY

Complaint narrative:
I reported to Experian that there was accounts that are not mine and they didnt help me. Please know that the XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX  credit cards are not mine. I know CFPB is suing Experian for Sham Investigation due to credit report errors and I feel like no one has helped me.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am growing extremely frustrated with the daily emails and calls I continue to receive regarding a debt I have repeatedly stated I have no knowledge of. Despite making it clear that I am unaware of the debt in question, they have persisted in contacting me. I have informed them that this constant harassment is unacceptable and highly disruptive to my life, especially as I am dealing with personal matters. I demand that all communications cease immediately, as this behavior is not only unprofessional but intolerable which they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my US Department of Education ( US DEPT ED ) account on my credit report. These errors have caused unnecessary harm to my creditworthiness and violate federal consumer protection laws. 
Issues Identified : Incorrect Payment History : Your records indicate late payments for XX/XX/XXXX through XX/XX/XXXX. These entries are false, as the account was in deferment status during this time. 
Noncompliance with the Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 USC 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the maximum possible accuracy of the information reported. This has not been adhered to in this case. 
Account Misclassification : The account is listed as " Late 120 Days, '' which is inconsistent with the deferment documentation. 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Resolution Sought : I am requesting that Equifax conducts a comprehensive review of this account and removes the inaccurate late payment entries. Please provide written confirmation of these changes within 30 days of receipt of this letter. Failure to address this matter will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief