vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
InXX/XX/2024, I opened an XXXX Bank of America Credit card and transferred about {$10000.00} in a XXXX XXXX balance transfer. 

I also set up the autopay through the Bank of America website. 

The autopay did not pay in XXXX or XXXX, as soon as I found out I had a balance to pay, I paid about {$550.00} in full. 

When I went to apply for a loan in XXXX, I learned my credit score had dropped XXXX points because of the missed autopay. I contacted Band of America to fix this issue. 

The customer service representative said they would put in an inquiry, I got a letter from Bank of America stating they could not fix this issue.

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 2025-03-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against Experian concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( 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 ) Despite providing supporting documentation that substantiated my claim, Experian responded on NO RESPOND indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section XXXX ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Experian may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, 5 U.S.C. 
XXXX. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
Despite my attempts to resolve this issue directly with EXPERIAN through Certified Mail, my concerns remain unaddressed.

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 2025-03-18 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: NY

Complaint narrative:
Bankruptcy filed on my report Experian Equifax Transunion

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Albert Corporation
State: IL

Complaint narrative:
I attempted to cash a check from the Colorado Department of Revenue on XX/XX/2025. It was rejected and no reason was provided. I reached out to Albert XXXX XXXX XXXX to see the issue. They stated that they could not provide a reason for rejection for security purposes. I attempted to get this information but still have no been able to get it. 

I contacted the Colorado Department of Revenue and they said there is no reason the check should be rejected. I again reach out to Albert XXXX XXXX XXXX to see the issue. They said they will not be accepting checks from Colorado Department of Revenue for me specifically. I asked them to clarify that they do accept checks from Colorado Department of Revenue but they just will not accept my checks. I raised concerns about another check very close to this so I feel this is retaliation. I want to know the reason the check was rejected because I will just receive the same check from the Colorado Department of Revenue. If something is incorrect I have to let them know when they issue a new check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
My credit score dropped by XXXX points in one week. Come to find out I have an outstanding XXXX XXXX from XXXX for {$24000.00} ( plus interest ). They have flagged my credit due to an outstanding balance since XX/XX/XXXX ( They began in XX/XX/XXXX due to the XXXX pause ). I was unaware of this loan because I thought I was getting XXXX  Aid, and the rest of my loans I took out from XXXX XXXX, which are now XXXX XXXX paid. 

I called them and they said have sent me emails to let me know I have a balance, but the email on file was not mine, nor was the phone number. I have asked them to dispute the bad credit, but they said they can not due to the fact that they " emailed me ''. Again, the email was not mine. I had no idea I had another loan because I thought I was filing for financial aid ( back in XXXX ). 

I have made it clear that I will pay the loan back. I have already paid the outstanding balance on my account, but I would like to get the bad credit disputed. 

They never hit my credit before XX/XX/XXXX, instead they deducted my credit XXXX points in the matter of a week. If they had done it back in XXXX, even just a little I would have gotten a notification that something was wrong. 

I am frustrated because of the lack of solutions the company is giving me, as well as the MAJOR lack of communication with my loan.

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 2025-03-18 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC XXXX. FCRA XXXX ( 15 U.S.C. XXXX ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - Account number - XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C XXXX Section XXXX A . State I have the right to privacy. 
15 U.S.C XXXX Section XXXX A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX ( 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 in accurate. 
15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX - 15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 U.S. CODE XXXX 15 USC XXXX XXXX XXXX ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 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 2025-03-18 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: MA

Complaint narrative:
I am currently XXXX XXXX, and took out loans to pay for XXXX school. I have been repaying my loans for years ( about XXXX years ) as part of the Public Service Loan Forgiveness ( PSLF ) program. To be a part of this program, I need to be enrolled in an Income-Driven Repayment ( IDR ) plan. I have been in the PAYE plan for years. To be a part of XXXXAYE ( or any IDR plan ), I am required to recertify my income ( with an IDR recertification application ) every 12 months. I last did this on/around XX/XX/XXXX. 

I received a message from MOHELA on XX/XX/XXXX ( the message is dated XX/XX/XXXX ) that my annual IDR recertification was due ( " recertification deadline '' ) on XX/XX/XXXX. This did not make a lot of sense, as my due date was XX/XX/XXXX ( 12 months after my last recertification ). 

On XX/XX/XXXX, I received another notification from MOHELA that my monthly payment amount, due on XX/XX/XXXX, would be {$3200.00}. This was a massive increase from my usual monthly payment of {$380.00}. On XX/XX/XXXX ( that same day ), I called MOHELA to ask about this payment increase. After waiting for >3 hours for a callback, I was told that my payment increased because I had " missed '' my recertification deadline ( this was simply a false statement- I had not missed any deadlines ), and that the new higher payment reflected a " standard '' repayment plan ( i.e. - NOT an IDR plan ). The person I spoke with also stated that, because I was within 90 days of my recertification deadline ( not totally sure what this means ), that MOHELA would be unable to process any IDR application from my end, and I would effectively be REMOVED from the PAYE plan ( and thus, removed from PSLF ). 

On XX/XX/XXXX, I manually uploaded an IDR recertification/income form to the MOHELA website, along with my XXXX W2 's ( proof of income ). 

On XX/XX/XXXX, I received a message from MOHELA that they had received my application, and that it would take 90 business days for this to be processed. 

What I am requesting assistance with : -I want MOHELA to process my application before my payment of {$3200.00} is due. I did not miss any deadlines that they gave me, and I want to remain in the PAYE program. I should NOT be penalized for MOHELA having processing delays. 
-I want to REMAIN in the PAYE program ( an IDR program ) so that my payments COUNT TOWARDS my PSLF payments. Again, I am XXXX years into this XXXX program. 

Please let me know if you need any more information from my end. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX  Account Number : XXXX TransUnion / Experian XXXX XXXX XXXX Account Number : XXXX TransUnion/ Experian

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One BJs credit card. Payment was due on XX/XX/XXXX. Payment was mailed no later than XX/XX/XXXX allowing 7 days. Capital One claimed they received payment onXX/XX/XXXXand charged a {$29.00} late fee. I have never been late with a payment and they refused to waive the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citibank regarding the closure of both my wifes and my own savings accounts, as well as the banks failure to return our funds within the promised timeframe. 

Background On XX/XX/XXXX, my wife XXXX XXXX received a notice from Citibank stating that her Citi Accelerate Savings Account was being closed due to an alleged violation of the banks Client Manual. The notice explicitly stated that all funds would be refunded within 60 days after account closure. However, as of today ( XX/XX/XXXX ), more than 60 days have passed, and my wifes funds have not been refunded. We have also not received any written confirmation or a clear refund timeline. 

In late XX/XX/XXXX, while I ( XXXX XXXX ) was following up on the status of my wifes refund, I was informed that my own Citi Accelerate Savings Account was also under review. During a phone call with Citibank, I voluntarily requested to close my account, and on XX/XX/XXXX, I received the official account closure notice. However, the refund timeline for both accounts remains unclear. 

Key Issues Citibank failed to refund my wifes account funds within the promised 60-day period My account is currently in the process of being closed, and the refund timeline is unknown Lack of transparency from customer service, with repeated vague responses No written confirmation regarding the status of our funds No local Citibank branches in my area, making in-person resolution impossible We have made multiple calls to Citibank, but each time we were told that our case was " under review '' with no clear timeframe for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC XXXX. FCRA XXXX ( 15 U.S.C. XXXX ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - Account number - XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C XXXX Section XXXX A . State I have the right to privacy. 
15 U.S.C XXXX Section XXXX A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX ( 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 in accurate. 
15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX 15 USC XXXX - 15 USC XXXX 15 USC XXXX 15 USC XXXX XXXX 15 U.S. CODE XXXX 15 USC XXXX XXXX XXXX ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 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 2025-03-18 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: SC

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. 
XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-03-18 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 discovered a delinquent account on my credit report that I believe is inaccurate. I promptly disputed this error with the creditor, providing documentation to support my claim ( e.g., proof of payment, account closure confirmation, or evidence of identity theft ). Despite my efforts to resolve this, it has not corrected the error, and the delinquency remains on my report. This inaccuracy has negatively impacted my creditworthiness and ability to secure financial opportunities.

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