vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NV

Complaint narrative:
I have filed a dispute in XXXX with Experian Credit Bureau for the late payment XXXX credit card is reporting in XXXX. XXXX credit card state I did not make a payment in XXXX and marked me as 30 days late. I have had that card for 10 years and was never late. I have proof I made a payment in XXXX and it was past the due date by a few days. Experian came back with an update that shows they corrected it and 2 months later it pops up again. I have once again provided all of this information to all XXXX of the bureaus and XXXX still reported it 30 days late in XXXX even though it was changed. You make a payment and then half of the payment they card interest payment the next day. I have had accounts with XXXX when it was originally Washington Mutual. This is insane how this credit card company requests a payment, you make it and then they charge you half of that again in interest. Their payments due are always different on the app than what they show on the statements.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is blatantly violating the Fair Credit Reporting Act by falsely reporting late payments on my account all the way through XXXX XXXX full three years after it was officially charged off in XX/XX/year>. This is not just an error ; it is a reckless and misleading act that severely damages my credit profile. A charge-off means the lender has already written off the debt, yet they continue to pile on late payments as if I were still missing monthly obligations. This grossly inaccurate reporting is harming my financial standing and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: RI

Complaint narrative:
I recently setup auto payments monthly with Nelnet for {$1200.00}. That first payment went through successfully on XX/XX/year>. Today on XX/XX/year>, I noticed XXXX payment of {$870.00} deducted from my bank account. I called Nelnet who told me they do not see the payment in their system. Informed me to submit proof to them of this. I did via document upload on Nelnet. I called back to ensure it was received. They told me they do not get to review this document for up to 7 days and then if it satisfies their requirement as proof they will initiate a refund that will take up to 90 days to process. They hinted that I am lying regarding this and do not understand the urgency of taking a large unauthorized amount of money from someone's account and holding it for up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-13 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-13 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Method of Verification Request Under 15 USC 1681i ( a ) ( 7 ) Dear Experian, I am writing regarding the recent investigation of my dispute concerning the late payments reported on my credit file for XXXX Auto. This account was Never late and late payments are reported which is adversely affecting my ability to qualify for financial assistance. 
Pursuant to 15 USC 1681i ( a ) ( 7 ), the Method of Verification Law, I formally request the following information regarding your investigation : 1. A detailed description of the investigation process conducted.

2. The name and contact information ( including direct phone number ) of the representative from the creditor ( s ) who provided verification of this information.

3. A copy of all correspondence exchanged between your agency and the creditor regarding this disputed item. 
4. Any documentation, reports, or records used in determining the accuracy of the reported late payments.

5. A statement of the exact information provided to the creditor and their response to your inquiry.

According to 15 USC 1681i ( a ) ( 7 ), you are required to furnish this information within 15 days of this request. If you fail to provide this information within the allotted time, I will consider your inability to verify the item as evidence of its inaccuracy, and I request the immediate deletion of the account from my credit file. 
Sincerely, 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Experian consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/scrub> 2025, I filed a claim because my phone and wallet were stolen and there were charges that I did not recognize for {$3900.00}. I immediately called BOA and they closed my card and said they would send me a new card and cancel the charges for the purchases made. On XX/XX/XXXX, they just sent me a one-page paper saying they denied my claim because they deemed the charges were authorized by me or someone who has permission to use the card/ account. Still, my phone and wallet were stolen so I did not even possess the said items used to make the transactions.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a fraud alert placed on my Equifax credit file. 
I called Equifax several times to request my free Equifax Credit Report due to the fraud alert. 
I am placed on hold and then the call disconnects. 
Each time I have called the call has disconnected after being on hold for 17 minutes, 22 minutes, 13 minutes.

It is impossible to speak to a person so that I can request my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am bringing this dispute to Experians attention once again because the issue remains unresolved, despite multiple previous disputes. My payment status and history are still being misreported, and this ongoing inaccuracy is unacceptable. After carefully reviewing my credit report, I noticed that Experian continues to list my payment status as Current, was past due 30 days, which is completely false. Both XXXX and XXXX have correctly reported my account as Paid or Paying as Agreed, reflecting the actual status of my account. However, Experian has failed to align its reporting with the truth, which is causing harm to my credit profile. Not only is the payment status incorrect, but there is also a clear inconsistency in my payment history. XXXX has accurately reported it, while Experian has failed to do the same. This is a direct violation of 15 USC 1681e ( b ), which requires Experian to ensure the highest level of accuracy in the information it reports. I have already disputed this matter multiple times, yet Experian has refused to correct the error. This is a blatant failure to comply with 15 USC 1681i, which mandates that credit bureaus must investigate and correct disputed inaccuracies. At this point, the repeated failure to fix this issue appears to be a willful violation under 15 USC 1681n. I am demanding that Experian immediately update my payment status to reflect Paid or Paying as Agreed, just as XXXX and XXXX have accurately reported. There is no justification for this continued misreporting, and I expect this to be corrected without further delays. If Experian fails to address this issue properly, I will take additional steps to enforce my rights. I expect a prompt resolution and confirmation that this correction has been made.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a fraud alert placed on my Equifax credit file. 
I called Equifax several times to request my free Equifax Credit Report due to the fraud alert. 
I am placed on hold and then the call disconnects. 
Each time I have called the call has disconnected after being on hold for 17 minutes, 22 minutes, 13 minutes.

It is impossible to speak to a person so that I can request my credit file.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I Paid For a Order Threw PayPal. I Never Did Get My Order. Nor My Refund. I Paid For It Threw PayPal. I Ordered It On XXXXXXXX XXXX. So I Call PayPal. They Will Not Give Me My Refund Back. I Paid {$49.00} For This Item.PayPal Keep Giving Me The Runner Round. About My Refund. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Block , INC doesnt give customers access to real customer service reps via a company owned XXXX number to deal with cases of fraud or other transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is regarding an issue from XX/XX/year>2023 and the amount in question is {$640.00} and the incident was there was a missed payment to a mortgage company named XXXX and they have me in their system as a cosigner since it's a joint mortgage, however, after speaking to a representative of their company and explaining that I am not the primary payer towards the mortgage that any missed payments should not reflect on my credit report because it's out of my jurisdiction and I also let them know since I'm not able to make independent decisions regarding this mortgage as if I'm on it by myself they shouldn't penalize me because the primary repair missed aamonthly payment. I've explained this to them, as well as, take credit bureau agency Experian of the entire scope of the situation and defending myself not being in fault of this action.

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 2025-02-13 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: NC

Complaint narrative:
accounts are reporting closed and affecting my 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I recieved a billing statement by email from the bank on a credit card that I never applied for. After calling and talking to the bank, it looks like I have been a victim of fraud. Someone stole my identity and were able to open a credit card on my name successfully. I informed the bank and credit reporting company XXXX immediately. I was also recommended to file a conplain to you online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit bureau or reporting miss information nonmailable addresses old phone numbers.I have and contact all three credit bureau to remove those addresses and phone numbers.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX OF XXXX XXXX BANK HAS BREACHED THEIR CONTACT, AND IS IN VIOLATION OF MY DUE PROCESS RIGHTS, THE CONSTITUTION, SECURITY FRAUD, AND TRUTH IN LENDING ACT. THEY HAVE CONSPIRED AGAINST ME TO VIOLATE MY CIVIL RIGHTS, AND IS LIABLE TO DAMAGES AND I INTEND TO EXERCISE MY RIGHT TO REMEDY AND RECOUPMENT. PLEASE REFER TO ATTACHED DOCUMENTS THAT HAS BEEN HAND WRITTEN AS REQUESTED AND SENT BY REGISTERED MAIL.

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 2025-02-13 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: NJ

Complaint narrative:
Transunion refuses to restore the XXXX points to his credit score. Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Please immediately re-evaluate XXXX XXXXXXXX XXXX credit score in light of the removal of the negative information and restore the XXXX points back to his 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