vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: VT

Complaint narrative:
in XXXXXXXX  i had a charge off account from a local credit union called XXXX XXXX XXXX. In XXXX i got a local loan and paid off that as well as other loans to fix my credit, everything dropped off my credit and it bumped up to XXXX. End of last year, XXXX, my credit only through experian dropped XXXX points, i called them and they told me i had a charge off account with XXXX XXXX XXXX that was reporting late to them every month. i asked them to give me more information because my that account shouldnt exist any more, it had been taken care of in XXXX. They told me they did not have any more information and couldnt see anything other than i owed late payments and to just call the bank so i called XXXX XXXX XXXX, they said they see that there used to be an account but they have not been sending experian late payment notifications because that wouldnt make any sense as the account is closed. 

every month or so my credit drops XXXX points, experian REFUSES to give me any information, XXXX credit union also refuses to give me any information, they say there is no possible way either of them is doing anything wrong but neither of them will communicate with each other to figure out the problem. 

im unsure what to do, my credit is tanking and no one will help me, this is an old XXXX $ account from years and years ago that was taken care of many many years ago, and im essentially being ignored.

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 2025-02-12 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: IL

Complaint narrative:
Date filed : XX/XX/year> Experian Information Solutions , Inc . 
On XX/XX/year>, the Bureau filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the country.

Part of a data breach

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested multiple times thru online disputes with Experian to correct my personal information on my credit report and I have never gotten a response or resolve.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Ive asked for the money that was taken about {$200.00} and one transaction that was {$79.00} and they refused to give it back and the {$79.00} was about like a month and the XXXX was about like a year or so back and I have yet to never receive the money that was taken from XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian is incorrectly reporting my FICO credit score to my credit card company. The score they are reporting is almost 2 years old. I've called every phone number I could find for Experian, but I can never get through the automated attendant. The automated attendant isn't able to resolve the problem and it just hangs up on me. I have no recourse to get this corrected because I can't get through to a real person.

I tried to file a dispute through their website, but there is no option to file a dispute for an incorrect credit score.

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 2025-02-12 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: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX department is violating the 1974 Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The Education Department violated confidentiality provisions of the Internal Revenue Code by giving XXXXXXXX XXXX XXXX  access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to Education Department databases that contain such information -- the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX  staff in violation of the Privacy Act. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
We wire transferred XX/XX/XXXX from XXXX XXXX CA, and we were set to receive the money on XX/XX/XXXX. from XXXX XXXX. On XX/XX/XXXX th we called XXXX XXXX XXXX  XXXX whether they received the money, they said no and told us to ask for the XXXX XXXX XXXX XXXX so they could trace the money, so we went to the bank my son and I XXXX morning, and talk to one of the bank managers XXXX we told her we need to get the XXXX XXXX and trace where the money is, she said she will let us know .. Monday XXXX call XXXX XXXX XXXX she said the money is with the beneficiary account witch is wrong my bank in XXXX XXXX said money is not there and asking XXXX from the mechanic 's bank which they are is not providing .deadline is XX/XX/XXXX we still don't have the money. and I went to see XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX  They have no clue where the money is. I think the bank is making money out of my money. I need your vigorous action to solve this problem and bring legal action to compensate for my financial lost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae has been harassing me and my family about my student loans. I get calls from them all the time and now they have been calling all of my family members and took it a step further and have been harassing my dad at his job. This is ridiculous and they wont stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dunlap Gardiner LLP
State: LA

Complaint narrative:
XXXX XXXX requested that I call attorney XXXX Dunlap in regards to my debt. XXXX Dunlap is not the original debtor trying to collect this debt from me. This company fraudulently received my information from XXXX XXXX without my consent. This debt was also charged off and they received payment for this debt I requested a 10-99 and a letter from the original debtor but that information has not been provided. Please complete a formal investigation in regards to this matter. I have submitted to the other credit bureau and XXXX XXXX has been removed and I expect cfpb to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
On XX/XX/2025 I closed my XXXX account with Optum Bank, account number XXXX, and requested a rollover of the {$16000.00} in the account be sent to my new XXXX with XXXX XXXX. I was charged {$20.00} to close my account and the money was deducted from my Optum account on this date. However, XXXX never received the check that was supposedly mailed to them. After being instructed by Optum Bank representatives to continue to wait more time, they confirmed that on XX/XX/2025 they reissued the check to XXXX. However, a week later, upon speaking with another agent, I was told the check has not yet been reissued, and that they do not have an estimated time that it will be reissued. 

My money has been missing for one month now, and I've been unable to resolve this issue by speaking with customer service. I've been told that my issue has been " escalated '', but I never receive any update and today, XX/XX/2025, customer service tells me they get an error message when looking into my account. I'm concerned that I've been scammed, and I don't know what else to do to recover my {$16000.00}. I'm asking CFPB for any assistance they can provide. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
XXXX XXXX THIS IS A ACCOUNT THAT DOES NOT BELONG TO ME. 

I HAVE FILED A THEFT REPORT AND SENT TO THE CREDIT REPORTING AGENCIES.. 

XXXX AND EXPERIAN NEED TO REMOVE THIS FROM MY FILE. 
IT HAS A XXXX BALANCE. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO AND ITS STOPING ME FROM GETTING A NEEDED MEDICAL PROCEDURE. I WILL MOVE FORWARD WITH LITIGATION IF THIS IS NOT REMOVED.

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 2025-02-12 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: FL

Complaint narrative:
XXXX XXXX THIS IS A ACCOUNT THAT DOES NOT BELONG TO ME. 

I HAVE FILED A THEFT REPORT AND SENT TO THE CREDIT REPORTING AGENCIES.. 

EQUIFAX AND XXXX NEED TO REMOVE THIS FROM MY FILE. 
IT HAS A XXXX BALANCE. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO AND ITS STOPING ME FROM GETTING A NEEDED MEDICAL PROCEDURE. I WILL MOVE FORWARD WITH LITIGATION IF THIS IS NOT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XXXX XXXX XXXX I purchased an XXXX  XXXX  from XXXX using the monthly installment plan on the Apple Goldman Sachs card. The item was cancelled due to deliveries not being able to be made from XXXX  XXXX. Apple cancelled the order for me no problem. Goldman Sachs Apple Card refuses to remove the {$790.00} item from my bill. I have unknowingly made three monthly installment payments on the item. Goldman Sachs Apple Card refuses to refund my money. Apple has confirmed the order was cancelled and I should not be charged.

After months of speaking with the Goldman Sachs Apple Card dispute team, they refuse to remove the charges and issue a refund for the monthly installment payments I have made. Apple has provided proof to Goldman Sachs Apple Card that I should not be charged and should be refunded. The Goldman Sachs Apple Card dispute team has told me repeatedly that supervisors on their team keep entering my dispute incorrectly. I find that hard to believe. The company is engaging in unethical practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-12 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: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/year> I sent a complaint about CreditKarma not allowing me to re enter account by verification of codes being to my phone. No action was done to have information stopped being sent to phone that is not my current number. I can't get into my account if I can't have info sent to my current phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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