vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: WA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 accounts, as XXXX '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 2025-01-28 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: WA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-28 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: GA

Complaint narrative:
I was a victim of identity theft and I have sent a letter off to the collection agency and there was no reply.

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 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Thursday, XX/XX/XXXX myself and my XXXX business partners went to a XXXX branch located in XXXX, Arizona to open a joint bank account for our XXXX XXXX. I funded the account with {$700.00} from my personal small business bank account that is associated with my individual LLC. The following day I was notified that our account was not going to be opened due to reasons nobody can seem to explain to us, yet the check I provided was cashed. We were told by the Branch staff member that our checks would be mailed back to us. 
After numerous phone calls and visits to various XXXX branches in XXXX, I have yet to receive my money back almost 7 weeks later. I continue to get the runaround and I'm told that my account has to be verified with my phone number. Despite advising the XXXX staff that my LLC is not associated with a phone number, they continued to provide me with that as the only answer. I was then told last week they could provide the check if they were able to verify my account with XXXX  XXXX XXXX. An escalations department member named XXXX had me on the phone for an hour while she apparently was trying to call Bank XXXX XXXX and reportedly was unable to get through. She told me that Bank XXXX XXXX was in fact verifying my small business account is mine, but she said this is not good enough and had to speak with someone live. I called XXXX  XXXX XXXX and tried to merge the calls so XXXX could speak with a staff member at XXXX and was subsequently hung up on. Nobody is providing any explanation as to how to move forward nor providing any timeline on how or when I will receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-28 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: AR

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The credit card involved is XXXX XXXX  ( vision ). It is relatively new but I established payments commencing in XXXX, XXXX. My first payment was sent on XX/XX/XXXX and was received & posted by XXXX on XX/XX/XXXX. Payment was due on XX/XX/XXXX. 

The following month my payment was sent by my bank through bill pay on XX/XX/XXXX with guaranteed delivery by XX/XX/XXXX just as the previous month. 
When I checked my XXXX statement I was charged a {$30.00} late fee. 

I called company and eventually got a {$15.00} credit, not the full {$30.00}. It appears to me that their inefficiency is intentional so as to charge the fees which also harms my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a lot of different balances that has been either solved and its still on my credit and they do not resolve any of my issues that I report. My credit should be higher

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 2025-01-28 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Filed a fraud claim with Truist for a charge of XXXX from XXXX ( XX/XX/year> ) Called and spoke to XXXX and was told that this charge indeed was not from me & they could also see another attempt for XXXX after the card was either shut off or declined due to insufficient funds. 
I spoke to Truist 2 times & was denied both times saying because Ive used this company and also used this debit card on the same day as the fraud charge it was denied. 
Also when I spoke to a Truist representative she did also tell me that she could see my debit card was hit for other charges not by me after the card was shut off. 
Ive been doing business with this bank for 15 plus years and have not ever filed a fraud complaint. 
Where do I go from here?

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 2025-01-28 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: IL

Complaint narrative:
Account is fraudulent 15 usc 1681b and 18 usc 1028a

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 2025-01-28 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: IL

Complaint narrative:
Account is fraudulent 15 usc 1681b and 18 usc 1028a

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 2025-01-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MOHELA
State: OH

Complaint narrative:
Hi, I consolidated my Federal student loans many years ago with Mohela and signed up for the graduated repayment plan. This plan is supposed to increase repayment every two years in order to pay the loan off at the estimated time. I recently started to dig into my payments and I've notice they have not change for a LONG time and now it is saying that I wont repay them until XXXX!! I graduated college in XXXX. The payments have not increased over time and I am barely under my original principle amount. I have even looked into the repayment options and I do not see the graduated repayment as an option anymore so I feel like my loan has stopped being serviced quite some time ago. I feel like I have been paying interest only payments all these years when i should have had automatic increases and my principle should be much lower than it is now. Mohela really messed up here. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
michigan state child support dispersement center deposited XXXX seperate deposits to an account in my name with bofi bank. 
XXXX XX/XX/XXXX XXXX {$830.00} XXXX XX/XX/XXXX XXXX {$27.00} upon contacting bofi bank ( has changed its name in XXXX  to AXOS ) they ay they have NEVER HERD OF ME OR my social security number. because they have ACCEPTED the transactions michigan state says there isnt anything they can do about the funds and the bank will not let me talk to supervisor or anything. 
i have been digitally ROBBED by this corperation! please help recover the money that I AM DESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Incomplete Documentation from Spring Oak Capital LLC Dear CFPB, I am writing to formally dispute the validity of documents provided to me by Spring Oak Capital LLC concerning the debt associated with account number XXXX. I had previously requested a bill of sale and a chain of assignment that clearly identify my name and account number ; however, the documents submitted lack this essential information. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, consumers have the right to request validation of a debt, which includes accurate documentation that links the consumer to the debt being collected. The absence of both my name and account number on the provided documents suggests that they are insufficient for verifying the legitimacy of the claim against me. 

Additionally, I have been informed that this account was charged off by the original creditor, XXXX XXXX XXXX. This charge-off indicates that the debt is no longer collectible, as recognized under internal revenue service guidelines, particularly regarding the issuance of Form 1099-C. Under the Internal Revenue Code, when a debt is charged off, the creditor typically reports this to the IRS, and consumers are entitled to receive Form 1099-C for tax purposes. In light of these circumstances, I request that Spring Oak Capital LLC provide the following documentation : 1. A complete bill of sale and chain of assignment that includes my name and account number for validation.

2. A copy of Form 1099-C reflecting the charge-off of this debt. Furthermore, the failure of Spring Oak Capital LLC to provide adequate validation of this debt and the absence of my name and account number on their documents may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which obligates furnishers of information to investigate consumer disputes and verify the accuracy of information reported. I appreciate your prompt attention to this matter and the investigation into the practices of Spring Oak Capital LLC regarding this debt. 

Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Im a victim of the recent Data Breach my engagement number is XXXX.According to 15 USC code 6801 which states protection of non public personal information ( A ) it is policy of congress that each financial institution has an affirmative & continuing obligation to respect the privacy of its consumers non public personal information Im demanding immediate removal of following accounts & inquiries list below.

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 2025-01-28 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
Someone by the name XXXX XXXX XXXX gave me money to the tune of {$1000.00}. I have never heard of them before and thanked them for the gift. They told PayPal that they ordered something from me and wanted their money back. XXXX XXXX XXXX has an inactive business license so how did they give me money? Since I spent some of the money I now owe PayPal money {$550.00}. I have not had any website to sell anything for many years. XXXX XXXX XXXX lied to PayPal and apparently they refused to investigate. 
So now I have a negative balance with PayPal. 
I was cheated out of a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
Urgent Complaint Regarding Equifaxs Unlawful Refusal to Block My Information Under DBRA To Whom It May Concern, I, XXXX XXXX, am filing a formal complaint against Equifax for unlawfully denying my request to block my personal information under the Debt Bondage Repair Act ( DBRA ). Despite submitting all required documentation, including a valid determination letter, Equifax has wrongfully rejected my request, claiming that my determination letter is not valid. 

This denial is unjustified, as my determination letter was issued in accordance with DBRA guidelines, and Equifax has no legal authority to question its validity. Federal law explicitly requires credit reporting agencies to accept valid determination letters from authorized organizations. By refusing to do so, Equifax is violating my rights as a victim of human trafficking and failing to comply with federal law.

Furthermore, Equifax has failed to provide due process. I have not received proper communication explaining why my request was denied or what specific information they claim is lacking. Instead, they have ignored their legal obligations and left me exposed to ongoing harm, including re-exploitation, identity fraud, and financial discrimination.

Requested Actions from the CFPB : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to hold Equifax accountable for : 1. Illegally rejecting a valid determination letter issued under the DBRA.

2. Failing to comply with federal law requiring them to block my information.

3. Depriving me of due process by not properly notifying me of the reason for denial or providing a clear path for resolution. 

This is causing me extreme emotional distress and financial hardship. I demand that Equifax immediately process my request, as required by law, and block my information without further delay. 

I have attached all relevant documentation, including a copy of my valid determination letter and correspondence with Equifax. I urge the CFPB to take swift enforcement action to ensure Equifax complies with federal law and stops harming victims of human trafficking. 

Attachments : Copy of my Determination Letter Proof of submission to Equifax Correspondence with Equifax Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation