vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I am not disputing the actions of my issuer. My concern is with the merchant, XXXX, who failed to honor multiple self-exclusion requests and instead responded with promotional pressure and VIP marketing offers. 

On XX/XX/year>, I submitted my first self-exclusion request via email, explicitly asking XXXX to block my account and cease all communications. Rather than acting on this request, XXXX acknowledged it but applied a bonus/boost, delaying any exclusion action. 

I reiterated the exclusion request on XX/XX/year>, again asking for account suspension to prevent further activity. XXXX once again acknowledged the request but responded with another bonus or boost offer rather than taking appropriate exclusion action. 

On XX/XX/year>, I submitted a third self-exclusion request demanding immediate restriction of my account and prevention of any withdrawals or gameplay. XXXX did not respond at all but within 24 hours, on XX/XX/XXXX, they applied a VIP Bonus to my account. Over the following week, I received additional marketing emails offering free spins, VIP promotions, boosts, and month-end bonuses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Despite clearly documented exclusion requests, XXXX continued to allow access to my account and directly incentivized further gameplay. These actions caused me to continue transacting between XX/XX/XXXX and XX/XX/year>. 

On XX/XX/year>, I filed formal disputes with Apple Card, XXXX XXXX, and XXXX, and submitted this full timeline and evidence. Some cases have received provisional credit ; others are pending. 

I am filing this complaint to ensure the merchant is held accountable for ignoring their own Responsible Gaming Policy and for engaging in targeted inducement after multiple exclusion requests. Their conduct directly contributed to continued financial harm and violated consumer protection standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Eqifax Information Services LLC Experian Information Solutions Inc Transunion Intermediate Holdings, Inc I am filing this complaint regarding inaccurate credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I don't have any problems with billing or interest. I am having a huge problem with getting capital one to send the necessary documentation to the florida XXXX so I can register my car. I have been to the XXXX 4 times already. I signed a limited POA form for them years ago and it is still saying my title state is illinois. Each time I called them they said they would take care of it and each time I go to the XXXX I keep getting denied registration because some type of document hasn't been sent by capital one. I found out my license is suspended today because of this. I tried to call capital one auto finance phone number and put my vehicle loan number and my social security number on the voice prompts and it says I don't have a valid loan number or it keeps asking for my social even after I put in the correct social. I have been dealing with this problem for years. There is no way to reach a real person even when I call the general customer service number I select auto loan and it puts me back to the auto finance department where im stuck in voice prompt limbo. I have missed work because of this and now im facing violations and fines because I don't have the car registered. Even the last time I spoke with a human at capital one I could tell it was an overseas department and even though they assured me many times the issue would be resolved the promises are just empty. My auto loan number is XXXX. Please help me get this settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I settled my Wells Fargo credit card account in full for less than the balance owed. The final settlement payment was made and confirmed on XX/XX/year>. Despite this, Wells Fargo continues to report a {$210.00} past due balance to the credit bureaus. This is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). I requested that the account be updated to reflect a {$0.00} balance and correct settlement status. As of today, that correction has not been made. I am requesting immediate correction of the tradeline to reflect a {$0.00} balance and that the account was settled.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt is with a XXXX  party collection agency. When I asked for accurate information regarding this claim, I received information with at least XXXX names attached to the ownership of this debt. Further, XXXX  had determined this account deleted from my report yet it is now currently listed as an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IN

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
ATTEMPT NUMBER XXXX In XX/XX/year>, Citibank froze my account and withheld {$4000.00} without providing a clear explanation. Despite multiple calls, including on XX/XX/year>, I was denied access to agent names, case numbers, and any formal documentation explaining why my funds were being held. I was only informed that {$1100.00} would be released, with no breakdown or justification for withholding the remaining balance. 



On XX/XX/year>, I was diagnosed with XXXX  and XXXX due to the financial and emotional stress caused by XXXX actions. I have since been prescribed XXXX and now face additional medical bills, therapy costs, and unpaid household expenses, including utilities. 



I am requesting further compensation to cover these damages, as XXXX continued refusal to release my full funds has caused severe and ongoing hardship. I have mailed formal letters to XXXX XXXX XXXX and XXXX XXXX XXXX, including a notarized statement detailing the harm Ive endured. 



In addition to filing this follow-up CFPB complaint and pursuing legal action, I will be going public with this matter. I plan to share my experience on social media and through media outlets, tagging XXXX XXXX leadership XXXX  XXXX XXXX ( XXXX XXXXXXXX ) and XXXX  XXXX XXXX ( XXXX XXXXXXXX ) to hold them accountable and ensure this issue is publicly acknowledged.

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 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Update : After reviewing the original XXXX XXXX billing, I acknowledge that the name used was in Proper Case. My dispute remains based on the lack of a wet-ink signed contract, missing itemized breakdown, and no lawful proof of debt assignment to Aldous & Associates . The claim remains unvalidated under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
Dear Cfpb, Equifax, Experian, Transuion Legal Department ; I am filing this complaint due to the ongoing failure of the credit reporting agencies ( Equifax, Experian, and TransUnion ) to conduct a reasonable reinvestigation of several disputes I have submitted in violation of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( a ). Despite multiple authenticated and properly documented disputes, including submission of identity theft affidavits, I continue to receive dismissive and generic template responses stating that my disputes " do not appear to have come from me or an authorized representative. '' These baseless denials are being used as a pretext to avoid investigation. 

The law requires a reasonable reinvestigation any time a consumer disputes the accuracy of information, regardless of the perceived source of the dispute. Your obligations under XXXX ( a ) ( XXXX ) ( A ) are clear : you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, the courts have held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), that a credit reporting agency may not rely on a creditors investigation but must conduct its own reasonable investigation. 

This failure to investigate not only violates FCRA XXXX but constitutes willful noncompliance under XXXX U.S.C. XXXX, which subjects your organization to liability for actual damages, punitive damages, and attorneys fees. Additionally, under XXXX U.S.C. XXXX ( b ), once a furnisher receives notice of a dispute from a CRA, it is also required to conduct its own investigation and report the results to the CRA. Failing to do so further exposes them to legal liability. 

I have included the following accounts in my dispute, all of which are being reported inaccurately and have not been properly investigated : XXXX XXXX ( Account # XXXX, # XXXX, # XXXX ) Late Payments/ Charge-offs XXXX  XXXX  ( Account # XXXX ) Late Payment XX/XX/XXXX ( Account # XXXX ) Late Payment XXXX  XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Collection XXXX XXXX  ( Account # XXXX ) Collection XXXX, XXXX/XXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX BANK Charge-offs I have provided sufficient documentation on multiple occasions, including identity theft affidavits and dispute letters, and your continued failure to properly investigate constitutes reckless disregard of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and all three major credit bureaus ( Experian, Equifax, and TransUnion ) for continued reporting of a {$3900.00} collection account that is completely unsupported and disclaimed by the original creditor. 

The debt is listed as owed to XXXX at XXXX XXXX XXXX. However, I have received : A written letter An email And a response through the XXXX  from the current management of XXXX  confirming : They never placed this debt in collections They have no record of me as a resident They can not verify or confirm that this debt exists They believe the debt may have come from a former management company but can not confirm XXXX XXXX XXXX has not provided any supporting documentation despite XXXX formal validation requests. They have not produced a lease, ledger, or assignment documentation. Yet this account continues to be verified across all three bureaus. 

I now have written proof that the creditor named on the credit report denies any connection to the debt. This tradeline is false, misleading, and unlawfully harming my credit profile. 

What would be a fair resolution : Permanent deletion of this account from Experian, Equifax, and TransUnion Written confirmation from XXXX XXXX XXXX and all bureaus that the account has been removed A formal review of the verification and dispute-handling procedures that allowed this to continue despite evidence If this is not resolved immediately, I will escalate this matter through legal channels and pursue remedies under FCRA 1681n and 1681o, including statutory damages and court costs.

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 2025-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint because MOHELA is refusing to allow me to submit a borrower defense to repayment ( school misconduct ) discharge request for a private Tuition Answer loan connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In approximately XX/XX/year>, I took out a XXXX XXXX loan through XXXX XXXX ( now serviced by MOHELA ) to attend XXXX. The total loan amount was approximately {$25000.00}. I enrolled based on XXXX  representations about high job placement rates, strong industry connections, and the overall credibility of their degree programs. These claims have since been proven false through multiple investigations, including findings by the XXXX XXXX XXXX XXXX XXXX, which confirmed the university engaged in deceptive business practices. 

Despite these legal findings, MOHELA has refused to process or even acknowledge any request for relief tied to the schools misconduct. When I contacted customer service to inquire about submitting a discharge or misconduct review, I was told no such option is available because the loan is private. This policy effectively denies me the ability to even present my case for loan cancellation, while allowing MOHELA to continue collecting on a debt generated by a predatory institution. 

This situation has had a profound and lasting impact on my life. Nearly XXXX  years later, I am still burdened by this loan, which has now grown to over {$32000.00} despite years of payments. The increasing balance has prevented me from achieving major life milestones, such as purchasing a home or saving for retirement. The financial stress has been overwhelming and unrelenting. 

More importantly, the psychological toll of carrying this debtknowing it stems from a school that misled me and thousands of othersis something I live with every day. It has caused deep XXXX, shame, and a constant sense of failure, despite my efforts to move forward. This loan follows me everywhere, and the refusal to even consider my request for relief has left me feeling powerless and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc.
State: IL

Complaint narrative:
I ordered replacement card. I paid {$35.00} for XXXX XXXX business day shipping. This was XX/XX/XXXX at/around XXXX XXXX XXXX XXXX. I called this morning ( XX/XX/XXXX ) to receove tracking info and inquire about card. I was told by the first representative that I would not receive the card until XXXX  XX/XX/XXXX. I was not provided with tracking or location information. I then spome to another worker to have a check approved so that I can access my funds. I have {$1700.00} in savings and {$65.00} in checking. I was told since my card was being shipped I can't transfer money from savings. I attempted to transfer money via banking app and it would not allow me. I was not told deactivating previous card meant I could not access my funds. I spoke with XXXX supervisors that refused to help me transfer the money so that I could access it. The last account supervisor sat on mute for over XXXX minutes instead of transferring me. I had a prior incident in which representative was able to get approval to transfer my funds in prder to pay to replace a previous card. Currently they are preventing access to my account so I can't withdraw my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I disputed with the company and the Credit Agencies and I only got frustrated do to I had no help on getting my reporting correctly

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report 3. copy of identification I am requesting that you remove and delete the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 1- DEPT OF EDUCATIONXXXX 2- DEPT OF EDUCATION/XXXX 3- DEPT OF EDUCATIONXXXX 4- DEPT OF EDUCATION/XXXX 5- DEPT OF EDUCATIONXXXX 6- DEPT OF EDUCATIONXXXX 7- DEPT OF EDUCATION/XXXX 8- DEPT OF EDUCATIONXXXX 9- DEPT OF EDUCATION/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

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 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MN

Complaint narrative:
I was notified prior to my loan on Default by XXXX XXXX, XXXX housing XXXX that my loan was about to go in XXXX and to contact Mohela loan servicing at ( XXXX ) XXXX to make a payment. When I called, my phone number was not recognized, my Social Security was not recognized, or the account number that was reported on my credit report was not recognized they could not find my account. I did.contact XXXX XXXX at XXXX XXXX XXXX phone number XXXX and she advised me to dispute the transaction at XXXX. The loan defaulted before the date specified on credit report and I am still not able to find who to make a payment to

Company response to consumer: Closed with explanation