vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On several dates BofA debited our personal account for a charged off corporate credit card. 

They have taken over {$5000.00} over a two year period. This is against federal law.

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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have contacted the Department of Education multiple times since XX/XX/XXXX after receiving a letter stating that my loans received during my time at XXXX XXXX XXXX were being discharged. I called to confirm all that all loans that were currently in repayment at the time qualified and was told yes that they would be discharged accordingly. As of today 2 loans that were originally held with XXXX XXXX XXXX ( XXXX ) were discharged. When calling the Department of Education I was told to call the loan servicer ( XXXX ). When I called the loan servicer ( XXXX ) I was told to call the Department of Education. This back and forth went on for the remainder of the year. I was ensured by the Department of Education that the 2 loans under XXXX would in fact be discharged and it would take some time. We are now in XXXX and those loans are still in repayment. I again called the Department of Education in XXXX of this year and was told that these loans under XXXX would NOT qualify for the Borrower Defense Discharge I originally received because they were with a private company and was instructed to consolidate them and move them to a service provider backed by the Department of Education . As of XX/XX/XXXX these 2 loans have now been moved to XXXX. I called the Department of Education to find out the full history of these loans prior to them being held by XXXX and they were not able to locate any information for these loans. I pointed out that the " disbursement date '' and " loan begin repayment date '' are the same and that seems odd that these dates are exactly the same and no information on how these loans originated can be located. I was told to file a complaint for both the XXXX XXXX XXXX provider and the Department of Education website. I've filed multiple complaints with the Department of Education regarding these two loans and nothing has happened and no full investigation into where these loans came from can be shared with me. At this point I do not know who I can reach out to that will be a reliable source to help me find the information I need in order to have these discharged being that I was told multiple times that these loans do qualify and would in fact be discharged.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
To Whom It XXXX Concern, XXXX XXXX XXXX This is a formal demand under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ) regarding your failure to conduct a reasonable investigation into a disputed item on my credit report.

Despite my prior dispute, the item in question remains on my report. Under the law, you are required to conduct a reasonable and complete investigation. Therefore, I am now requesting a full procedural breakdown of the following : The exact procedures and methods used to verify the disputed item.

What documentation was reviewed.

Who furnished the information.

Whether any independent investigation beyond communication with the furnisher was conducted.

Failure to provide this information constitutes a direct violation of 15 USC 1681i. 

You have not met your legal obligations, and your failure to properly verify the information leaves me no choice but to proceed with arbitration, as allowed under the FCRA and other applicable laws. 

If this item can not be verified with supporting documentation, it must be removed from my credit report immediately. 

This is your final notice before initiating legal proceedings. A copy of this letter will be retained for arbitration purposes. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
To Whom It XXXX Concern, XXXX XXXX XXXX This is a formal demand under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ) regarding your failure to conduct a reasonable investigation into a disputed item on my credit report.

Despite my prior dispute, the item in question remains on my report. Under the law, you are required to conduct a reasonable and complete investigation. Therefore, I am now requesting a full procedural breakdown of the following : The exact procedures and methods used to verify the disputed item.

What documentation was reviewed.

Who furnished the information.

Whether any independent investigation beyond communication with the furnisher was conducted.

Failure to provide this information constitutes a direct violation of 15 USC 1681i. 

You have not met your legal obligations, and your failure to properly verify the information leaves me no choice but to proceed with arbitration, as allowed under the FCRA and other applicable laws. 

If this item can not be verified with supporting documentation, it must be removed from my credit report immediately. 

This is your final notice before initiating legal proceedings. A copy of this letter will be retained for arbitration purposes. 

Sincerely,

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
What happened : Ive been trying to close my Citi XXXX Savings account for about six months. I was told the account was under investigation without any clear reason, and despite withdrawing all funds and even submitting a written letter, Citi would not close the account. 

During this time, they have been charging me {$5.00} per month in maintenance fees on a XXXX-balance account. 

Now, the account has disappeared from my online dashboard entirely, and I have not received any closure confirmation, final statement, or explanation of what happened to the account or my funds. 

What I want : I want Citi to : Confirm the status of the account in writing Refund any monthly fees charged during the delay Send me a final transaction summary Provide a formal closure confirmation Company : Citibank , N.A . 
Product : Savings account Issue : Cant close account / account inaccessible

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 monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Statement Regarding Payment Installment Agreement with Apple Credit Card I, XXXX XXXX, hereby state that on XX/XX/XXXX, I entered into a payment installment agreement with my Apple Credit Card, committing to make monthly payments of {$25.00}. 

I have consistently adhered to this agreement since its inception. However, upon reviewing my credit report, I noticed that it incorrectly states that I did not make payments for the months of XXXX and XX/XX/XXXX. This information is inaccurate, as I have diligently maintained my payment schedule according to the established agreement. 

I recognize that all reported information must be accurate, and it is important for me to address this discrepancy. Therefore, I request that the reporting company rectify this error in my credit report to reflect my compliance and payments received for the months of, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I tried to get Apple Card ( Goldman Sach ) to update and correct this error I was told although it is noted they received the referenced payments they will not correct this reporting error. My payment contract does not state that they will not report accurate information. I have inserted records of my payments as well as the payment contract. Please correct this reporting error. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against PayPal for unfairly denying my refund and permanently limiting my account, even though the seller ( XXXX ) has already processed the refund. 

My PayPal email : XXXX Case ID : XXXX Refund Amount : {$880.00} My PayPal name : XXXX XXXX I made a purchase on XXXX, but the order was canceled, and XXXX refunded my money directly to PayPal. I have attached the official XXXX refund confirmation email as proof. However, instead of returning my funds, PayPal denied my dispute twice and permanently limited my account, blocking me from accessing my rightful refund. 

I contacted PayPal multiple times, but they keep closing my case without a valid reason. They wrongfully claim I am not eligible for a refund, despite clear evidence that XXXX processed the refund. 

This is an unfair practice, as PayPal is withholding my funds that rightfully belong to me. If PayPal refuses to return my refund, they must restore my Purchase Protection rights so I can dispute the transaction again properly. 

I request CFPB to investigate this case and force PayPal to either : Return my refunded amount of {$880.00} to my PayPal account. 
Restore my Purchase Protection so I can dispute the transaction again. 
I have attached all necessary evidence, including the XXXX refund confirmation. Please take action as PayPal is unjustly holding my money. 

Attachments : XXXX refund email screenshot PayPal case denial screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MA

Complaint narrative:
I am writing to request detailed information regarding the method your bureau uses to verify the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to understand how disputed items are verified. Therefore, I respectfully ask that you provide the following information : The specific method or process your bureau uses to verify disputed items. 

The identity of the entity or entities responsible for conducting the verification. 

Any documentation or evidence used to support the accuracy of the disputed items. 

I understand the significance of accurate and fair credit reporting, and I appreciate your cooperation in ensuring transparency about the verification process. This information is essential for me to fully understand how the disputed items on my credit report were confirmed as 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 2025-03-27 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: MA

Complaint narrative:
I am writing to request detailed information regarding the method your bureau uses to verify the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to understand how disputed items are verified. Therefore, I respectfully ask that you provide the following information : The specific method or process your bureau uses to verify disputed items. 

The identity of the entity or entities responsible for conducting the verification. 

Any documentation or evidence used to support the accuracy of the disputed items. 

I understand the significance of accurate and fair credit reporting, and I appreciate your cooperation in ensuring transparency about the verification process. This information is essential for me to fully understand how the disputed items on my credit report were confirmed as 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To whom I concern, I went into Webster bank in XXXX XXXX, Connecticut in XX/XX/year> to cancel a merchant account and spoke with XXXX XXXX. Upon Receiving the my statement for the following month my other account was charged a service fee for the canceled account in {$97.00}. When I noticed this I called the bank in which I spoke with XXXX XXXX. I was assured that the account was canceled and these occurring fees for a canceled account would be resolved. In the following months the service charge kept incurring for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Each month was a charge of {$97.00} for a grand total of {$580.00}. I called over 5 times and 4 times in person over the course of the 6 months. With each visit and call I was assured the account was closed and I would be reimbursed for service charge which was never resolved. Webster bank has done nothing to fix the matter and continue to charge a service charge for a closed account. I am concerned for the customers who face similar situations with Webster Bank and the service fee practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Since XXXX of XXXX  Synchrony Bank has allowed fraudulent changes to my mailing address, phone numbers and email address at least XXXX times. Each time this happens they issue new cards. They assured me the account is secure but then their off shore customer service allow changes to be made again. Most recently an overnight shipment was redirected to the thief 's address while in transit, which leads me to believe they have a thief in customer service working with them. We have notified the XXXX XXXX Police but nothing is being done to help.

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 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company keeps charging my card even though I have canceled the service. I have canceled my card twice now and they are somehow stealing my information from XXXX and charging my card. I have tried to resolve it with XXXX and they have not been able to resolve it. This company owes me money back.

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 2025-03-27 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief