vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I can not access their website, I've tried multiple times to change password, it doesn't work. Their customer service has a 3.5 hour hold time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Hello, When I was making the payment for my store card, the website wouldnt allow the payment to be processed. According to the website, because Im paying after 5 pm I had to choose the next payment date which is tomorrow. By doing, I am now being charged a late fee. I attempted to pay this card at 7pm. Theres no reason why the payment shouldnt have been taken except for the fact that now the company is forcing me to pay late so they can assess a {$40.00} fee.

I have numerous late fees due to this exact situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Prestige Finance is reporting that I owe {$16000.00}. This is incorrect. I settled with the law firm that they hired, XXXX XXXX XXXX. I settled and paid {$9000.00} on XX/XX/XXXX. They also garnished my paycheck starting XXXX. I have repeatedly contacted the credit report companies and Prestige to have this collection removed, but they are stating it is correct. I submitted the settlement letter along with the release of judgment letter to them all. Only XXXX XXXX removed the collection. I want them all to remove the collection. It is more than XXXX XXXX XXXX and has been paid. I have tried to talk to someone from Prestige, but because my account was in collection, they only communicate by email. I received an email XX/XX/XXXX stating that this collection is reporting correctly and that they do not report on judgment accounts. The judgment has been released. The law firm sent me the release letter. This inaccuracy and lies are preventing me from qualifying for a mortgage. I am trying to buy a home, and my credit score is incorrect, and I would like it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
CFPB Complaint Letter ( Optimized Version ) Complaint Target : American Express Complaint Type : Credit Card Signup Bonus Not Fulfilled Dear Consumer Financial Protection Bureau ( CFPB ), I applied for the American Express Platinum Card through the official American Express website in early XX/XX/XXXX, where it was clearly stated that if I spent {$20000.00} within 3 months, I would receive XXXX Amex Membership Rewards points as a signup bonus. 

After receiving the card, I successfully spent over {$20000.00} between XX/XX/XXXX, and XX/XX/XXXX, fully meeting American Express 's criteria for the signup bonus. 

When activating the card, I contacted American Express customer service multiple times ( at least two to three times ) to confirm whether my account qualified for the XXXXpoint bonus. Customer service consistently assured me that my account met the requirements, and the bonus would be issued once I reached the spending threshold. However, after meeting the spending requirement, I did not receive the bonus points. 

I subsequently contacted American Express customer service again, but they failed to provide a reasonable explanation or issue the promised bonus points. This failure to honor their commitment is in direct violation of their promotional statements and constitutes misleading behavior that has harmed my legal rights. 

Requested Resolution : I request that American Express immediately issue the XXXX Membership Rewards points, as I have fully met the conditions for the signup bonus. 
I request that American Express provide a transparent, written explanation as to why the bonus was not fulfilled and improve the handling of such situations to protect other consumers ' rights. 
I ask that CFPB investigate this matter and urge American Express to fulfill its commitment. Thank you for your protection and oversight of consumer rights! 

Applicant Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX / XXXX Last Four Digits of Credit Card : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Prestige Master Card has been hacked repeatedly since XXXX XXXX. Cit is about to send me what will be my XXXX card since XXXX XXXX

Fraudster has not been able to use my card, but has been able to hack into Thankyou Rewards to steal my rewards points. Hacker somehow is able to change my log in information, change my email address, go to Thankyou, download gift cards and have them sent to newly created fraudulent email address.

Fraudster has done this four times since XXXX XXXX and has stolen approximately XXXX points, valued at {$25000.00}, each time. 

Each time, fraudster has used the same email address, XXXX for the receipt of the fraudulently downloaded gift cards. 

Fraudster is able to do all of this within an hour or two of my being able to activate and register new credit card. 

Yesterday I registered new card and immediately initiated wire for cash value of points ( $ XXXX ). I then left my house for the evening. This morning I received emails from Citi stating 1 ) wire transfer cancelled and 2 ) email address had changed. When I tried to log into my account my access was blocked because online password had changed. This was all accomplished within two hours of my reinstatement of the account and cash transfer request. And this is how it has gone the last three times I've been able to reinstate my account.

I do all of my banking online and have several other credit cards. No fraud issues with any other account. 

Over the past three months I've probably spent 100 hours dealing with this, talking to countless Citi personnel - Customer Service, Fraud Department, Thankyou Rewards Department, Tech Services, Citi Executive Response. I've even met with a customer service agent at a nearby Citi branch. My estimate is that I've spoken to around 50 Citi personnel over the past six months. 

I've changed passwords and email addresses for my account several times during this process. 

I've also had my desktop computer subject to a " deep clean '' virus scan and removal recently. 

At this point I have no confidence in Citi 's ability to protect my account. It took me many years to earn those points and I do not wish to simply walk away from them. 

Can you 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 2025-03-03 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a letter to the bankruptcy court asking them to send me of how they report bankruptcies to the reporting agencies, I got a letter back which will be attaced to my complaint saying that the court does NOT report public records to any reporting agencies. so i sent this letter to Transunion and told them that the court does not report this public record and to supply me with the furnisher of this information as sub section 611 of 15 USC 1681 ( I ) requires and they just sent me a letter saying it was verified without giving me the furnisher as required

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 2025-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I recently found out there was unauthorized account access/use ( in which I had no acknowledgement of many years )! 
The account used couldve been ceased in the year of 2017- Wells Fargo issued me ( XXXX ), an check for {$150.00} from an account in 2017, but will not allow any additional information on this account *Please assist* XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I get nothing but fraud on this account. Two weeks again, I got more fraud and have yet to hear from them. 

I recently did a transfer from paypal to TD of {$400.00}. TD Bank reversed it back to XXXX but the money never went there. The money vanished and TD Bank took it from me. XXXX claims no money was reversed and it doesn't even show me that on my paypal account. On XXXX it shows I did a transfer to TD Bank I spoke to a TD agent to file a dispute and she filed it for me. 

Turns out today, the agent claims at TD nothing was filed as a dispute. So the entire XXXX mins of that phone call, she just acted and lied to me? Why is TD Bank not being honest with me, lying to me on the phone and stealing my money over a transfer? 

I did research on the apple fraud of the specific phone number and it's a con artist criminal. Anybody with a keyboard and research can see this but TD is somehow protecting criminal con artists that commit fraud. I WONDER WHY I'LL MAKE THIS VERY CLEAR. PEOPLE DON'T STEAL FROM ME. I FIGHT AND FIGHT AND FIGHT TIL I WIN SO EXPECT A LOT OF TROUBLES COMING YOUR WAY XXXX XXXX ALL THE PROOF IN THE WORLD TO DEFEND MY CASE. 

TD BANK HAS NOTHING!!! 

SO LETS DO THIS

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

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-03 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 am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
My information was involved in a data breach. I also have an ftc report XXXX

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

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX, XXXXXXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: RI

Complaint narrative:
I filled out an inquiry request on the company 's website last week and received no response. This has been an ongoing issue. I was contacted by another company claiming they owned my debt, so I was looking for confirmation in case my debt was sold due my previous complaint. I previously opened a complaint under # XXXX. Under this complaint the company responded stating I have been making payments to them for 10 years, but there was " never a formal payment arrangement ''. I spoke with someone 10 years ago which is what I assumed was a formal pay arrangement, hence why I have been making payments. I dont understand how after 10 years suddenly there is no arrangement? I also tried today to make my monthly payment, and once again I am blocked on the payment portal from making a payment. In my previous complaint I stated this as an issue and the company claimed they removed the hold. I was able to make a payment last month, but now the hold has returned. I previously tried to call and email multiple times to correct this but recieved no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
Data Breach of my credit report information. Code 15 US 1681, I am entitled to accurate reporting of my credit report. I contacted all 3 credit agencies Transunion, Experian and Equaifax and spoke with them on the phone to go over all the wrong addresses being reported as mine which are not, the different variations of my name being reported which are not me, none of the hard inquiries on my reports are mine or from me attempting credit or loans or otherwise, the late payments on everything, loans and credit cards are wrong because I don't have any late payments with anything. Debt collections are not mine, charged off accounts that are still being reported monthly that say charged off years ago or settled yet still being reported, collections agencies trying to collect on charge offs accounts by being misi formed with all this misinformation. XXXX XXXX XXXX, not mine. XXXX XXXX not mine. XXXX XXXX, not mine and I called all 3 of those companies directly and told them that's not me and they went over my Info with me but was always the wrong email which is obviously whoever the real person is. The address in California was just added to the list of addresses on my credit reports, that's a new one and I've never been to California. Everything is messed up and and I want all this negative stuff impacting my credit scores removed under code 15 US 1681. My credit score should be XXXX being I've had credit 28 years yet my credit reports say a little over 5 years, this all needs to be removed immediately and my credit fixed, my date was obviously breached and I filed also with a FTC report # XXXX. Under code XXXX5 US 1681 I am entitled to accurate credit reporting and Transunion, Experian and Equaifax are violating that federal law without regard to anyone 's credit by not investigating anything fully to see the erroneous stuff just piling up on everything and just reporting everything repeatedly without fixing anything ever and always denying disputes when the proof is right there on the reports that it's all wrong. Please removed everything negative from my credit report immediately. Thank you

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