vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have repeatedly contacted Best Buy credit card customer support regarding a XXXX year old account I am unable to access. Their records did not match my XXXX and I am unable to login to the account. I have been hung up on, told incorrect information, and not escalated to a supervisor as requested multiple times. I never receive follow ups as promised and am unable to access the account, which has autopay setup but the balance has been increasing due to potential expired interest free programs I can not view to pay off in time. Most recently ( XXXX weeks ago ) I requested a new card to be sent to my home to attempt to login with the credentials. I have not received the replacement and can not get information provided to me so that I can dispute these fees or interest charges. The company does not allow access to XXXX based employees or other teams to contact. I have also been told that the SSN on file didnt match what they had, but showed on my credit report. They told me they updated their system to be correct, but that was not what I had requested, as I can not access this account to validate what should/should not have been charged. It now shows as $ XXXX outstanding but I have not made a sizable purchase in XXXX years. There has been no end in sight with this issue and no one has been able to help. I want to dispute the fees and interest and be refunded any losses as well as have this account closed and no longer reflect on my credit report. Its been a nightmare.

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 2025-05-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: OH

Complaint narrative:
MOHELA has frequent errors handling basic administrative tasks like calculating my monthly payments, billings, and processing paperwork when the Biden administration resumed loan repayments that year these mistakes have turned costly for me and the MOHELA failed to fix these problems. MOHELA has been reporting duplicated and unverifiable accounts to the credit failing to report accurate information including involving in predatory lending practices.. 

A recent court decision denied MOHELA 's ( Missouri Higher Education Loan Authority ) attempt to dismiss a lawsuit filed by California student borrowers. The Maldonado v MOHELA case alleges MOHELA failed to implement student loan discharges ordered by the Department of Education, violating California consumer protection laws. The court ruled that MOHELA 's status as a public entity does not shield it from lawsuits in California related to alleged misconduct towards California residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, I was alerted that some exchanges happened on my bank statement and I was asked if I authorize I said no I called Wells Fargo and was transferred to their online fraud department. I was asked if I wanted to close the bank and open a new one account and I said yes I was told that we were transferring wire to fund to my new account so I wired the money to myself from myself When I didnt get the money I called back after a couple days and I was told that the call was intercepted and I was a victim of fraud or scam. I made a police report and FBI report and filed claims with Wells Fargo. I was told too bad so sad since I authorize the transfer they could do nothing about it I said, but I authorize the transfer to myself. They said the call was intercepted by a scam or fraud artist. I then filed a complaint with you guys. They said again too bad so sad because I authorize the transfer I said yes, but I authorize the transfer to myself not XXXX XXXX who got the money and I have all that information which I gave the bank. Also put in my Police in FBI report. They said they could do nothing. This is completely not OK. I want my {$14000.00} back Im a XXXX XXXX XXXX  of the United States XXXX with XXXX. It is not OK that I just lose {$14000.00} because Wells Fargophone call was intercepted.

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 2025-05-06 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: OH

Complaint narrative:
I am writing to dispute information on my credit report that I believe resulted from identity theft. I am requesting that you immediately block the reporting of any information that I identify as being associated with identity theft, pursuant to 15 U.S. Code 1681c-2. Please delete the following accounts. XXXX XXXX XXXX XXXX acct # XXXX {$940.00}. XXXX XXXX XXXX XXXX {$450.00}. XXXX acct # XXXX {$1700.00}

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 2025-05-06 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: OH

Complaint narrative:
I am writing to dispute information on my credit report that I believe resulted from identity theft. I am requesting that you immediately block the reporting of any information that I identify as being associated with identity theft, pursuant to 15 U.S. Code 1681c-2. Please delete the following accounts. XXXX XXXX XXXX XXXX acct # XXXX {$940.00}. XXXX XXXX XXXX XXXX {$450.00}. XXXX acct # XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car loan with 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 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 hard inquiries 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 store mentioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX 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 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 2025-05-06 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: TX

Complaint narrative:
In XX/XX/year>, I purchased a vehicle through a dealer that financed it with XXXX XXXX XXXX. Prior to the sale, I specifically asked the dealer over the phone if anything at all was wrong with the vehicle, and he assured me there were no issues. Based on that assurance, I proceeded with the purchase. 

The vehicle was delivered on XX/XX/year>, but it arrived without the federally required Buyers Guide window sticker, in violation of FTC regulations. Immediately upon delivery, I discovered multiple serious issues : the A/C didnt work, the trailer hitch was broken, and the engine was making abnormal noises. Within XXXX hours, the camshaft failed and the vehicle broke down. 

I called the dealer the same day to report these problems and expressed that the truck was clearly misrepresented. I also noted the missing window sticker and explained that the vehicle was delivered in non-working condition, taking advantage of the fact that it was a sight-unseen sale. 

I paid to have the truck towed to a XXXX dealership, where it sat for months. I notified the dealer, and they agreed in writing to cancel the transaction and refund my {$2000.00} deposit, which I accepted. The dealer later confirmed in writing that the vehicle was repossessed from their lotnot from me.

Despite this, the credit reporting agency continues to report the loan as a repossession. I never used the vehicle, never defaulted on any payments, and received a refund. Two other credit bureaus have already corrected their reporting to reflect a transferred status. I am requesting that this agency do the same : update the record to reflect that the vehicle was returned, refunded, and the loan closednot repossessed or charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-05-06 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I reached out to Truist via phone to request PMI deletion. I emailed my request. I followed up and was told the case was closed as they alleged they sent me a letter ( which I never received ) and told me I had to start over again. On XX/XX/XXXX I called again to follow up and send them a check for {$190.00} to obtain a BPO ( Broker 's price opinion ). I mailed the check promptly in the envelope I received from Truist in connection with my second request. Yesterday, XX/XX/XXXX, I called Truist, spoke with someone in customer service named XXXX who said she would look into this and get back to me by lunch time. Lunch time came and went with no return call. I called again around XXXX EST and spoke XXXX XXXX who also said she would call me back by end of day but also did not. This morning I called and spoke with another member of the team named XXXX who told me the PMI department had not yet received the check that I mailed on XX/XX/XXXX. At this point, I need your intervention. Truist is employing every stalling tactic to not grant the PMI deletion.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-05-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-05-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-06 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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