vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Date XX/XX/XXXX {$100000.00XXXX XXXX XXXXn from penn Fed due to XXXX XXXX This is the letter i wrote to XXXXenn Fed Credit Union Dear Penn Fed Credit Union I am writing to formally request information on how to apply for the cancellation of my XXXX XXXX XXXX due to fraud and misrepresentation by XXXX XXXX. I recently received confirmation from the U.S. Department of Education that my Borrower Defense to Repayment application was approved, resulting in the full discharge of my XXXX XXXX XXXX associated with XXXX XXXX. Given this determination, I am seeking the same relief for XXXX XXXX XXXX XXXXs, as they were taken out to attend an institution that engaged in misconduct. 
School Misconduct and Misrepresentation XXXX XXXX engaged in systemic financial mismanagement, which ultimately led to its closure in XXXX. Some key findings related to the school 's deceptive practices include : 1. Accreditation Issues & Deceptive Enrollment Practices XXXX XXXX lost accreditation due to financial instability, yet it continued to enroll XXXX without disclosing the risks. This directly impacted my ability to obtain a valuable degree. 
2. Financial Mismanagement & Institutional Negligence A lawsuit filed in U.S. Bankruptcy Court alleged years of " waste, mismanagement, and breach of fiduciary duty '' by the colleges trustees, confirming that the institution was not financially stable during my enrollment.

3. Failure to Deliver Promised Education & Services The college 's leadership turmoil ( having seven presidents in a short span ) led to inconsistent academic policies, a diminished quality of education, and uncertainty about program completion. 
4. Impact on XXXX  Due to the schools closure and loss of accreditation, my degree ( or coursework ) lost value, making it difficult to secure employment that would justify the loans I was forced to take. 
Given these factors, I believe I am entitled to full cancellation of XXXX XXXX XXXX XXXX 
Supporting Documents Included To support my request, I have attached : A copy of my Borrower Defense discharge approval letter from the U.S. Department of Education, confirming that XXXX XXXX engaged in misconduct. 
The discharge notice from my federal loan servicer, which confirms that my federal loans have been forgiven and that I am receiving a refund of payments made toward those loans. 
Request for Next Steps I kindly request that you : 1. Provide me with the necessary process and forms to apply for the cancellation of XXXX XXXX XXXX XXXX 
2. Confirm receipt of this request and provide a response within 30 days.

3. Assist me in identifying the appropriate entities responsible for processing this type of claim.

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 2025-03-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America failed to send me my payment in the mail on my account ending in XXXX. I was late 2 months. I called them asking why i never received a payment. They lowered my available credit and charged me late fees when I called and told them I didnt agree to have my payment done on line. They just said sorry. This was an earror on them. I want my credit status fixed and refunded for the late fees. When I called about this issue I gave permission to have a payment taken out monthly but before this issue they were supposed to mail me the statement and failed

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 2025-03-10 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This is Comenity Bank Bread Rewards XXXX XXXX XXXX For two months now I attempted to do a direct deposit of my rewards points of XXXX which is {$230.00} dollars. Numerous attempts to do this were made and approximately TEN employees told me conflicting information about these direct deposit transfers. What I found out was there is a 90 day waiting period on this and this is NOT listed in the TERMS and Conditions - a supervisor agreed this information is not provided and is a MISTAKE. That means all the transfers were attempted by employees who did not know this and wanted to keep doing the transfers. Once the 90 days had passed I attempted another transfer by a supervisor and that also was a failure. I was then told " There is a problem with our system, some transfers don't go through. '' No reason was given. Two transfers were done on XX/XX/XXXX and one on XX/XX/XXXX - employees attempted to do this under the 90 days so apparently they had no chance of working. Another was done XX/XX/XXXX - AFTER the 90 days and that did not work - the reason was a problem with their system they said. I had to do a statement credit today, XX/XX/XXXX, which was always an option and I would have used that method except most of the employees told me the direct deposit would work. It does NOT work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
CashApp allows some customers to deposit mobile checks and doesn't allow others. They discriminate against some customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Asked experian to investigate a potential negative on my account, they never did

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 2025-03-10 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: MO

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-10 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: NY

Complaint narrative:
I am writing to complain about an identity theft case involving a XXXX XXXX XXXX  with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. 

My son has a XXXX XXXXXXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a XXXX  XXXX and XXXX XXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. 

When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. 

I gave XXXX XXXX medical proof of my XXXX  XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. 

I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.

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 2025-03-10 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 am writing to complain about an identity theft case involving a XXXX XXXX XXXX with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. 

My son has a XXXX XXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a XXXX  XXXX and XXXX XXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. 

When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. 

I gave XXXX XXXX medical proof of my XXXX  XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. 

I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.

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 2025-03-10 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 am writing to complain about an identity theft case involving a XXXX XXXX XXXX with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. 

My son has a XXXX  XXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a learning XXXX and XXXX XXXXXXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. 

When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. 

I gave XXXX XXXX medical proof of my XXXX  XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. 

I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
In XXXX I contacted XXXX XXXX XXXX XXXX  after paying my account. They sent the settled in full letter. They said it could take up to 30 days to update. I then disputed account with letter. On XX/XX/XXXX XX/XX/XXXX and experian updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I contacted XXXX XXXX XXXX XXXX after paying my account. They sent the settled in full letter. They said it could take up to 30 days to update. I then disputed account with letter. On XX/XX/XXXX TransUnion and experian updated account as closed but did not change balance to XXXX. I am requesting that the account be deleted from all accounts due to inconvenience of not being able to get another car loan due to the fact that the balance is still showing

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a formal dispute to Equifax on [ date of dispute ], challenging multiple inaccuracies on my credit report, including [ list disputed items, e.g., charge-offs, collections, incorrect balances, etc. ]. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. XXXXi ( a ) ], Equifax is required to investigate and respond to my dispute within 30 days ( or 45 days if additional documentation was provided ). However, Equifax has failed to respond within the required timeframe, violating federal law. 

As a result of Equifaxs failure to investigate and correct the errors, I have suffered the following damagA denied mortgage application from XXXX XXXX XXXX XXXX. 
Lower credit score, affecting my ability to obtain financing. 
Stress and financial hardship due to Equifaxs negligence.es :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Harris & Harris is reporting an account on my credit report that is past the statue of limitations. The account is at least 7 years old. They refuse to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 have been a victim of identity theft and have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent collections and chargeoffs removed from my credit reports, because they are harming my chances at buying a home or a car. If the bureaus do not take proper action within 30 days to remove the stated chargeoffs and inquiries, I will also be seeking legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
I have been a victim of identity theft and have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent collections and chargeoffs removed from my credit reports, because they are harming my chances at buying a home or a car. If the bureaus do not take proper action within 30 days to remove the stated chargeoffs and inquiries, I will also be seeking legal action.

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