vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Ive attempted purchases both online and in person on two Amex XXXX XXXX  with a balance of {$500.00} on each card. It has declined at over 10 places on both cards, when I called they said that there was nothing wrong with the cards and to keep trying. I kept trying and it was declined at a hair salon, at XXXX, and on XXXX. A gift card should be able to work at any place I want to make a purchase and it will not go through in person or online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The information I received from Nelnets representative was misleading. Relying on this guidance, I made financial decisions that I believed were in my best interest. However, the accrual of interest during this period was not accurately explained to me. As a result, my loan balance has grown to an unmanageable level. 

Because I trusted the accuracy of Nelnets guidance, this misinformation has caused significant financial harm. My loan balance is now disproportionately higher than expectednot due to a lack of repayment on my part, but because of interest accumulation that was never clearly communicated. 

This misinformation has also extended the timeline for when my loans could have been forgiven or fully repaid. Had I been provided with accurate information, I would have made different decisions to remain on track toward repayment or forgiveness. Instead, I am now burdened with both a larger balance and a longer path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
XXXX the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my XXXX  and noticed some things are incomplete and not accurate. According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal denied claim of fraud on multiple unauthorized charges, stating the activity was consistent with past purchases. This is incorrect and circular : the past purchases they cited were also fraudulent. 

Unauthorized Transactions : XXXX XXXX XXXX XX/XX/XXXX {$340.00} ( ID : XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$320.00} ( ID : XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( ID : XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$220.00} ( ID : XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$50.00} ( ID : XXXX ) PayPal Inc. XX/XX/XXXX {$200.00} ( ID : XXXX ) PayPal Inc. XX/XX/XXXX {$3.00} ( ID : XXXX ) PayPal Inc. XX/XX/XXXX {$150.00} ( ID : XXXX ) Did not authorize or benefit from these transactions and have no legitimate history with these merchants. PayPal has obligations under the Electronic Fund Transfer Act ( EFTA ), Regulation E to investigate unauthorized transactions fairly. Denying refunds based on fraudulent precedent violates these protections.

Requested Resolution : Immediate reversal or credit of all fraudulent charges.

Confirmation that PayPal will properly investigate instead of dismissing claims based on prior fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally complain about the fraudulent collection practice of the debt collection law firm Hunt & Henriques to steal money with intentional, deliberate false claim. They made the following false claim of default to the XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, that only {$18000.00} of the settlement sum of {>= $1,000,000} had been received by XX/XX/XXXX the date of the last payment, and requested to the court to levy my bank account for additional a total judgment of {$12000.00} based on the false claim ( see attachments ), after I had paid off the full amount with XXXX consecutive payments ( via automatic withdrawal by Hunt & Henriques ) totaling {$20000.00} by the date of XXXX XXXX. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that Hunt & Henriques provide me with the following documentation : Detailed records of my full payment history of XXXX payments, including exact amount and date for each payment received. Any records or documentation proving that any of these payments was missing or less than the monthly amount set in the settlement. 

Moreover, despite my requests at early communications, I have never received the debt validation from Hunt & Henriques. In view of the fraud activity mentioned above, I firmly request that the overdue proof of the debt to be sent to me. Please provide me the following : the proof that I am legally obligated to pay this debt, including a copy of the original signed agreement. Detailed records showing the origin of the debt and the account history. Any documentation proving that the debt is valid and that Hunt & Henriques has the authority to collect it. 

I have read that Hunt & Henriques have engaged in various deceptive, abusive, and unfair debt collection practices, and been subject to class actions against for such violations of consumer protection laws including the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  XXXX Fair Debt Collection Practices Act. This false claim is a new addition to their history of fraudulent activities. 

Hereby I request Hunt & Henriques to 1 ) File with the court a request for voluntary dismissal with prejudice of entire action of all parties and all causes of action immediately, and send me a confirmed copy.

2 ) Remove this debt and any related information from my records, and send me a confirmation.

3 ) Inform all three major credit bureaus to remove this debt and any related information if it was ever reported, and send me a confirmation.

Please confirm receipt of this letter and provide the requested information at your earliest convenience. You may contact me via my email provided. Thank you for your prompt attention to this matter. 

Yours truly,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an account at Bank of America. My name is XXXX XXXX. My address at that time was XXXX XXXX XXXX XXXX. I had two checking accounts a business account and a nonprofit someone gave me a TRAVELERS check that didnt clear. I never took the funds out in Bank of America close my account and sent me a check for XXXX, XXXX, and XXXX. I went to reopen the account and they told me they didnt have a reason for closing it.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifax 's actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN EDUCATION SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN EDUCATION SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

AMERICAN EDUCATION S XXXX, AMERICAN EDUCATION S XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
I am submitting a new complaint against Equifax because they are reporting contradictory and inaccurate information about my XXXX XXXX XXXX account. 

In their previous response to the CFPB ( dated XX/XX/XXXX ), Equifax stated that my XXXX account is Paid as Agreed, with No Late Payments. However, my current Equifax credit report continues to show : Account Status : NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE Date of First Delinquency ( DOFD ) : XX/XX/XXXX This is a direct contradiction. If the account is paid as agreed with no late payments, there should be no delinquency date or past due status. 

XXXX XXXX XXXX has confirmed in writing that the account was closed and paid in full with no late payments. I am attaching : 1. A copy of Equifaxs response to the CFPB stating Paid as Agreed, No Late Payments.

2. A copy of my Equifax credit report showing the inaccurate Past Due status and delinquency date. 
XXXX. XXXX letter confirming the account was paid and never delinquent. 

This inaccurate reporting is materially damaging my credit standing. I request that the CFPB require Equifax to remove the false delinquency date and the false account status ( NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ), so the account reflects only : Closed / Paid as Agreed/ {$0.00} Balance, with No Late Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I AM REPORTING THIS FIFTH TIME ALREADY. IT CONTINUES ON AND ON BUT I WILL STAY ON MINE AND KEEP REPORTING THAT THEY STOLE MY INFORMATION AND MADE ACCOUNTS WHICH I KEEP SEEING AGAIN OVER AND OVER EVEN AFTER YOU GUYS ARE 'HELPING " ME. I KEEP SAYING AND REPORTING SAME THING OVER AND OVER I HAVE SAID IT MILLION TIMES TO XXXX XXXX AND I AM REPEATING THIS ACCOUNT ( XXXX XXXX XXXX XXXX XXXX IS NOT MINE!! PLEASE TAKE CARE OF IT, I AM A VETERAN AND I WAS NOT EXPECTING THIS BEHAVIOUR TO ME FROM THIS COUNTRY AFTER PROTECTING IT FOR YEARS AND BEING A BIG PART OF SECURITY AND MILITARY...

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding USA BANKs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. USA BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. USA BANK 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 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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