vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: DigniFi
State: GA

Complaint narrative:
These accounts is inaccurate and has been paid off on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
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 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Good afternoon, As of today XX/XX/year> the incorrect amount and status is still being reported by Tower Loan to the credit bureau. On XX/XX/year> my loan was paid in full which means the balance is at XXXX. I made an attempt to resolve with them directly and response was not received. Please assist as this is affecting my credit score. Thank you. 

Respectfully, 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 2025-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: MN

Complaint narrative:
My original complaint number is XXXX. 

I have a private loan and a few federal loans that I took out when I attended XXXX XXXX from XXXX. In XXXX of XXXX, the Department of Education reached out to me regarding my federal loans and that I qualified for a discharge solely based on misinformation that the college presented to me regarding job prospects and opportunities. I heard that there was a similar program for private student loans last year. So, in XXXX, I filed a complaint with XXXX, the holder of my private loan. However, they never got back to me. They switched the loan over to Mohela later in that month. 

I reached out to the CFPB about this, and they told me to get in contact with the current loan servicer. I took that advice and emailed them at XXXX on XX/XX/XXXX and have not received any feedback from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have not heard from the response from Consumer Finance ( CFPB ) regarding new complain filed on XXXX. CFPB sent Consumer Finance had wrongfully sent my complaint to the wrong financial institution that was XXXX XXXX. It should be sent to Citibank. I am requesting {$35.00} for Overdraft Charge to Citibank in terms of my complaint XXXX. 

One monthly statement should withdraw one transaction from the cardholder 's bank account. However, Citibank 's multiple withdrawals of four different amounts from my bank account made a negative balance. Then my bank charged me overdraft fees in the amount of {$35.00}. And XXXXXXXX XXXX  credit score dropped. Then, I realized that Citibank NA blocked my online account and let me not access it to view transactions, etc. as of XXXX What an inconvenient bank they are!!! I want {$35.00} back from Citibank soon due to the overdraft fees charged by XXXX Bank. Please send my complaint to CITIBANK and not XXXX XXXX. Thank you so very much.

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 2025-03-23 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: FL

Complaint narrative:
XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
-- - Subject : Formal Complaint Regarding Identity Theft, Financial Fraud, and Law Enforcement Inaction To Whom It May Concern, I am writing to formally report a case of identity theft and financial fraud which has resulted in significant losses and severe hardship. To date, I have been unable to obtain meaningful assistance from local law enforcement or the financial platforms involved. 

Between XX/XX/2025 and ongoing I was the victim of a vehicle burglary while residing at the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CA. During this time, a tablet was stolen from my vehicle. The tablet contained access to my personal email and multiple financial apps. 

Shortly after the burglary, unauthorized individuals accessed my Cash App account by changing my email and Cash PIN number. They initiated a series of unauthorized transactions totaling approximately {$6000.00}, which were siphoned from my linked bank account via Cash App. Additional unauthorized purchases were made through XXXX ( {$1300.00} ) and XXXX ( {$280.00} ), and {$140.00} Bitcoin. These transactions were delivered to XXXX XXXX XXXX, XXXX, CA, an address that is either a vacant lot or a boarded-up green house. 

When I attempted to report the burglary and identity theft to the XXXX Police Department, I was told that no formal report or investigation would be conducted, as it should have been done when the officers came out in response to a call that night. The officer also stated that my opportunity to obtain video footage from the hotel had passed, despite my attempts to follow up with the hotel and its security personnel. The initial officer only responded because a hotel security guard felt threatenedno full report or follow-up investigation was done. 

Cash App ( Square Inc. ) has refused to reimburse the stolen funds, claiming that the transactions were authorized simply because the PIN was useddespite the fact that the PIN was changed by unauthorized users who accessed my stolen device. 

This is a clear case of : Identity theft Financial fraud Failure of platform-level consumer protection ( Cash App ) Negligence and obstruction by local law enforcement Potential mail fraud and use of a fraudulent delivery Please contact me if you require any additional documentation, including bank statements, screenshots of unauthorized transactions, correspondence with Cash App, or evidence from the attempted police report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Formal Complaint Against XXXX XXXX and Chase Bank Unauthorized Debits, Failure to Honor Stop Payments, and Refusal to Refund To Whom It May Concern, I am writing to formally file a complaint against Century Support and Chase Bank for unethical business practices, failure to honor stop payment requests, and refusal to refund unauthorized debits.

Summary of Events : 1.Unauthorized Premature Debit : On or around [ XX/XX/XXXX ] Century Support debited my Chase account ** $ XXXX under the name** ( XXXX ( XXXX  ) Transaction XXXX XXXX XXXX XXXX XXXX ) without my authorization. This transaction occurred earlier than agreed upon ( XXXX ) and under misleading credentials. 

XXXX Payment Failure : I immediately contacted Chase Bank to halt this transaction and paid XXXX {$30.00} stop payment fees ( totaling {$60.00} ) ** on [ XX/XX/XXXX ] & [ XX/XX/XXXX ]. Despite this, Chase allowed the debit to process, violating their commitment to stop payments.

3. Refusal to Refund : Chase has refused to refund the {$420.00} transaction because the " name is wrong. '' I was told they would discuss returning the charges and since then there has been no further correspondence. This is unacceptable given the merchant name IS XXXX XXXX XXXX XXXX XXXX  ) and their failure to honor my stop payment requests. Either way, they didn't honor my request. 

Violations and Concerns : Deceptive Practices : XXXX XXXX  disguised the transaction under a name I was unfamiliar with ( XXXX XXXX  ), violating FTC prohibitions against deceptive billing. 

Bank Negligence : Chase ignored my stop payment orders after charging fees for this service, breaching their duty to protect my account. 

Financial Harm : I am out ** $ XXXX ( {$500.00} + {$60.00} in fees ) due to their collective negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding an account listed on my credit reports from TransUnion, Experian, and Equifax under the following identifiers : Creditor Name : DPT EDXXXX TransUnion Account # : XXXX Experian Account # : XXXX Equifax Account # : XXXX Complaint Summary : Inaccurate and Unverified Reporting : This educational installment account is marked as closed/paid with a {$0.00} balance, and it has not been active since XX/XX/year>. Yet, it continues to be reported on all three credit bureaus, affecting the accuracy of my credit profile.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, furnishers are required to report accurate and timely information. Reporting outdated, unverified, or closed educational accounts violates this statute, especially when the reporting no longer serves a permissible purpose.

FERPA Violation : This is an educational loan account subject to the Family Educational Rights and
Privacy Act ( FERPA ). As recently exposed in public reports, XXXX XXXX and the Department of Government Enterprise ( DOGE ) were given access to a vast database of U.S. citizens educational records, including data from student loans. This unauthorized access constitutes a breach of FERPA, further voiding the legitimacy of this account 's presence on my credit reports. 
Harm Caused : This account has no outstanding balance or payment obligation, yet its presence is negatively affecting my credit utilization, age of accounts, and creditworthiness, which is a form of reputational and financial harm. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 
Account : Online Information servi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to formally request the removal of late payments reported on my credit file for my student loan account. Unfortunately, I was unaware of my payment obligations due to outdated contact information in the systems of Nelnet and XXXX. As a result, I did not receive notifications regarding my due dates, leading to missed payments. 
As soon as I became aware of the issue, I promptly updated my contact information and took the necessary steps to bring my account current. I have since ensured that all future communications regarding my loan are properly received. Given that this was an unintentional oversight and not a reflection of my willingness or ability to pay, I respectfully request a goodwill adjustment to remove the late payments from my credit report. 
I understand the importance of maintaining a positive payment history, and I remain committed to fulfilling my student loan obligations responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ratchford Law Group, P.C.
State: MA

Complaint narrative:
Company never sent me information to my home address. However they sent a letter to my employer The address is a known business I have lived in the same address for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX for 1099-C Form and Correction of Credit Reporting Errors To Whom It May Concern : I am writing to formally dispute the reporting of my American Express account XXXX # XXXX ) and to request immediate issuance of the required IRS Form 1099-C for the charged-off debt listed on my credit reports. This account opened on XX/XX/XXXX, has been inaccurately reported to XXXX, XXXX, and XXXX as a derogatory charge-off with a balance of {$4900.00}, which violates Generally Accepted Accounting Principles ( GAAP ) and federal tax requirements. 
Key Discrepancies and Violations : 1. Failure to Issue IRS Form 1099-C : Per IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled, settled, or charged off. American Express has not provided this form despite reporting the account as " charged off '' and " unpaid balance reported as a loss '' to the credit bureaus. This omission constitutes potential tax fraud, as the IRS requires accurate reporting of discharged debts. 
2. GAAP Violation : GAAP mandates that financial reporting must reflect accurate and consistent information. By continuing to report a charged-off debt as an active liability without issuing a 1099-C, American Express violates the matching principle, which requires expenses ( charge-offs ) and income ( debt cancellation ) to be recorded in the same period. This misrepresentation harms my creditworthiness and violates fair reporting standards. 
3. Inconsistent Credit Reporting : - Last Reported Dates : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) show conflicting " last reported '' dates. 
- Date Last Active** : Discrepancies exist between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 
- Status : The account is inaccurately labeled as " derogatory '' despite being charged off, which should remove it from active liability status. 
Requested Actions : 1. Immediately issue IRS Form 1099-C for the charged-off debt to comply with federal tax obligations.

2. Correct credit bureau reporting to reflect the charge-off in accordance with GAAP and the Fair Credit Reporting Act ( FCRA ). The acco
unt must be updated to a {$0.00} balance with a closed status.

3. Provide written confirmation of these corrections and a copy of the 1099-C form within 30 days. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
My New Account with Ocean First Bank, I opened this account less than a month ago, opened it with {$25.00} which I transferred from XXXX my other account and that {$25.00} came back as insufficient funds, which my Ocean First account put a HOLD ON MY ACCOUNT, and I did not know nor was I informed of this until I went into a branch and found this out. The back office requested information from me and I supplied everything, and yet they still but a hold on my account. As of today my account is good, but I cant do mobile access. I contact Ocean First today Saturday trying to get this Hold off my account, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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