vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I reached out to Experian regarding my XXXXXXXX XXXX account that was charged off. This was supposed to fall off my account in XX/XX/year> and it originally showed XXXX. They gave me my dispute results back and it updated to fall of XX/XX/year> ( picture attached ). However, it was reported to my account on XX/XX/XXXX and is still showing. Now the fall off date is no longer showing in 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 2025-05-13 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that th
e consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I am submitting this formal complaint because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over 30 days ago. On [ Insert date ], I sent a written dispute challenging the accuracy and completeness of the following account ( s ) on my credit report : 1. Under 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies subsection ( 3 ) you failed to notate that this account was in dispute within 30 days. As a result this account is now in violation of the statute. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within 30 days. It has now been more than 30 days, and : ( 1 ) I have not received any written confirmation of investigation results ( 2 ) OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : ( 1 ) FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy ( 2 ) FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified ( 3 ) FCRA 616 & 617 Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I AM WRITING IN RESPONSE TO AMEX CARD RECENT CORRESPONDENCE ( XX/XX/XXXX ), AS I FIND YOUR EXPLANATION COMPLETELY UNSATISFACTORY : Dear American Express, I hope this message finds you well. I am writing in response to your recent communication regarding my account, and I would like to address several concerns that I have encountered. 

Firstly, you mentioned that you sent multiple emails regarding my account, including the delivery of my card and billing statements. However, I have not received any of these emails. I have diligently checked my inbox but found no such communications. Could you please verify the email addresses you used and clarify why these emails were not delivered to me? Additionally, could you provide some evidence of this? 

Furthermore, in your letter, you mentioned that I could have added my bank details to my account upon activation of the card ending in XXXX. My question is : how could I have activated this card if I never received it? It seems unreasonable to expect action on something I have not had the chance to access, especially since you mentioned that the card was returned to you. 

You also attached some letters, but I would like to know whether these letters were generated by your team and kept in your records specifically to address this type of claim. I am deeply disappointed with the level of service I have received thus far. 

Regarding the amount you mentioned will be deducted from my bill, I would suggest that it be used to improve your customer service. I have noticed a lack of knowledge and poor customer service from your employees, which is concerning. 

Regarding the delivery issues, I would like to emphasize that I am not responsible for USPS actions. I understand from your letter that the card was returned to you, but unfortunately, the delivery service is beyond my control. Moreover, it appears that you have my updated mailing address on file, as referenced in your communication, yet I have not received any communication from you, whether by mail or email, despite having provided all necessary contact details. 

I am disappointed by the lack of communication and clarity, especially since all of my contact information is on file. I have been a loyal American Express cardholder since XXXX, and this situation has been frustrating. It is unfortunate that such a lack of customer care has overshadowed my experience. I did not obtain this card to dispute issues ; I did so to use it responsibly and without complications. The service provided thus far has been well below the standard I expected. 

I sincerely hope that this issue can be resolved promptly. I look forward to hearing from you soon and expect your immediate attention to rectify the situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * XXXX * Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$450.00} XXXX XXXX  XXXX * * Balance : {$0.00} CAP XXXX XXXX * * * * Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$760.00} XXXX  XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-05-13 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * XXXX * Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$450.00} XXXX XXXX  XXXX * * Balance : {$0.00} CAP XXXX XXXX * * * * Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$760.00} XXXX  XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App is required to reverse these transactions to your bank. 
Should you have any further questions regarding this matter, we encourage you to please direct any further concerns related to the transactions referenced in your complaint with bank This comment is unverified & is deem false. I didn't reverse the chargebacks to my bank. Instead you illegally framed the balance to my CashApp account which is illegal and prohibited. Of these charges were to be reversed to my bank you can claim money for a balance I do not owe. XXXXXXXX XXXX XXXX  confirms it was CashApp that was mandated to pay my account account back not vice versa. You legally can't tell me or CFPB that you reversed the balance back to the bank but than denote the balance to my account. My CashApp account is not XXXX XXXX  & I do not owe you this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
This complaint is a follow-up to my previous submission regarding MOHELAs failure to implement my approved Income-Based Repayment ( IBR ) plan and its improper placement of my loans in SAVE forbearance.

I was unable to upload documents or reply to the original complaint due to the email being a no-reply address and no document upload option visible in the complaint portal. 

Since my original submission, Ive received a formal response from the U.S. Department of Education, via XXXX XXXX XXXX office, confirming : My IBR application was processed and approved.

MOHELA was responsible for notifying me and implementing the new repayment plan. 

Their system had not updated, but the plan should be active. 

On XX/XX/year>, an alert appeared in my MOHELA account stating that my forbearance was ending. This suggests the issue is being corrected, but I still : Have not received official written confirmation Have not seen my PSLF payment count updated Have no guarantee of interest adjustment or proper back-credit Ive attached a summary note outlining the DOE response for reference. I am requesting this be linked to my original complaint and that MOHELA be held accountable for failing to implement an approved repayment plan for over 3 months. 

Thank you for your continued investigation. 

Original CFPB Case # : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report is showing inacurate and unauthorized accounts reporting under my name. These remarks are affecting my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report is showing inacurate and unauthorized accounts reporting under my name. These remarks are affecting my credit health.

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 2025-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is concerning an order I placed on XX/XX/year>. Upon receiving the package on XX/XX/year>, I discovered a discrepency between the order of contents and the items received. Instead of the two pillow cases I ordered and paid for I received only one. furthermore, the pillowcase was entirely different than what I ordered and paid for. The size and color. 

I contacted the seller on XX/XX/year> via phone and email. While the seller apologized for the mistake and admitted fault I was asked to return the incorrect item ( one pillowcase ) with the promise of a full refund as soon as I supplied her with the tracking info. I sent the item out immediately that day sent the seller the tracking info. The seller would then ignore my messages for days and ultimately refused to refund me. 

To support my claim, I have sent all this information to my capital one credit card fraud dept. where my claim was denied. I then tried multiple times to use a link sent to me by capital one that would only allow me to attach 3 of the 18 photos of supporting documents. It wouldn't allow me to attach all documents which were all extremely important and relevant to my case. They were messages between the seller and I which proved everything that happened. I called several times to be assisted with this issue and was never once helped in any way, only told " sorry my claim is denied and they will not help me further ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-13 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
My name is XXXX XXXX. I am filing a complaint regarding XXXX XXXX denial of a fraud claim involving unauthorized transactions totaling {$5500.00} from my checking account on XX/XX/year>. 

These transactions were made through XXXX XXXX, a company I have no affiliation with. I did not authorize these charges, and I do not have an account with this merchant. I contacted XXXX XXXX directly, and they confirmed in writing that the account in question is not registered in my name. They also stated that the account had been locked to prevent further activity, which strongly suggests suspicious or fraudulent behavior. XXXX further confirmed they do not process refunds and recommended I go through my bank. 

I submitted this evidence to Wells Fargo as part of my fraud claim. However, the assigned investigator, XXXX, told me that the merchants written confirmation meant absolutely nothing to him and proceeded to deny my claim without fair consideration of the facts. This response is unacceptable and shows that my case was not handled in a reasonable or compliant manner. 

I am requesting that Wells Fargo be required to re-investigate the matter based on the clear evidence provided. I am also requesting CFPB intervention to ensure that this matter is reviewed properly and in accordance with federal consumer protection standards. 

Attachments include : XXXX. The email from XXXX XXXX showing their findings and advice. 
XXXX. Details of the disputed transactions. 
XXXX. Correspondence with Wells Fargo and reference to the investigators conduct. 

Email : XXXX Bank : Wells Fargo Merchant : XXXX XXXX  Amount Disputed : {$5500.00} Transaction Date : XX/XX/year> Wells Fargo Case Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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