vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
In XXXX of XXXX I called the XXXX credit card which is ran by XXXX XXXX Bank to make the last payment on my account. I was told by the companys representative that I had a balance of {$69.00}. She removed a {$15.00} fee off and told us to pay {$54.00} and the account would be paid in full. I specifically told her I did not want to make any other payment and asked again if this was the full balance on the account to be paid off and she said YES. Fast forward to XXXX of XXXX and XXXX told I owe almost {$200.00} on the card. My XXXX XXXX decreases by almost XXXX points because they made the mistake of giving me the incorrect amount. Now stating the had another balance on the account and that other fees have been added on etc they end up taking another {$50.00} to make again the final payment. This is not at all my fault but I am currently being jeopardized by their actions. I need all negative remarks removed from my XXXX XXXX as it is their fault by providing me incorrect information. They robbed me and hurt my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Nelnet, Inc.
State: MA

Complaint narrative:
Hello, My name Is XXXX XXXX and I recently became a home owner and moved, during the duration of the move I was not notified that my school loans were going back into effect as they had been suspended due to covid. Along with the move and not being notified, my credit score had been dropped down multiple points for being delinquent. As soon as I found out I called nelnet to dispute this and also paid more than 5 times the amount and half of the balance off and yet nothing has changed on my credit as I was asking forgiveness as my history was 100 % on time payments before this incident. I can also provide documentation that shows that I had moved from my previous residence to my new place of living. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central Research Inc
State: CO

Complaint narrative:
My loans transferred from XXXX to CRI, then placed into an administrative forbearance without my knowledge. According to my account information, they have continued to accrue interest during this forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint due to incorrect and inconsistent reporting of my student loan accounts by all three major credit bureaus XXXX XXXX and Transunion as XXXX as conflicting date from servicers Dept of EducationXXXX and XXXX XXXX  XXXX 
There are multiple accounts ( Acct # XXXX, # XXXX and XXXX being reported under different names with mismatched account numbers and incorrect balances each bureau is reporting different and conflicting information for the same accounts. 
I have already submitted formal disputes with all three credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 681s-2, requesting deletion or correction. This inaccurate reporting is damaging my credit profile and financial well -- being. 
I am requesting thee CFPB to investigate and ensure theses inaccuracies are corrected or removed, and that all information being reported is verified and consistent across all platforms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I am filing this complaint due to incorrect and inconsistent reporting of my student loan accounts by all three major credit bureaus XXXX XXXX and Transunion as XXXX as conflicting date from servicers Dept of EducationXXXX and XXXX XXXX  XXXX 
There are multiple accounts ( Acct # XXXX, # XXXX and XXXX being reported under different names with mismatched account numbers and incorrect balances each bureau is reporting different and conflicting information for the same accounts. 
I have already submitted formal disputes with all three credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 681s-2, requesting deletion or correction. This inaccurate reporting is damaging my credit profile and financial well -- being. 
I am requesting thee CFPB to investigate and ensure theses inaccuracies are corrected or removed, and that all information being reported is verified and consistent across all platforms

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
Previously i had made complaint on CFPB against wise that they held my balance of {$XXXX} in account and not refunding me the money, after complainting to CFPB, wise emailed me that they received complaint, and after that cfpb closed the complaint, after couple of days wise emailed me and asked for my bank details to issue a refund, and i provided. after couple of hours they emailed me the same That we are unable to process a refund and we cant specify the reason. please check and take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I had foot XXXX scheduled with XXXX XXXX. Upon arriving, I was told I could not have the XXXX unless I opened a CareCredit account to pay up front for the XXXX since I did not have the full amount. 
The agreement was for XXXX  months free of interest, then the balance would go to a variable rate. I was not able to pay off the full amount however continued to keep paying on the account, on time, monthly. A few months ago I noticed my balance was rising, not going down. I discovered that I was being charged a " payment card security fee '' since the opening of the account. When I called the bank behind Care Credit, Synchrony, the customer service rep stated that the option to opt in to the payment card security fee was selected upon opening the account. I asked them to give me a refund due to the fact that I would never have agreed to additional fees, and was also being helped by the XXXX receptionist and she never mentioned that fee. They told me they would have to investigate before giving me a refund. Then I asked about my high interest rate ( 32 % ) - since I have excellent credit could they lower that. Nope. 
This is dancing on a line for the bank/cc. I was in a XXXX center with a broken foot and had no way to pay upfront. What was I supposed to do? Live with a broken foot? 
It's extortion, capitalizing on people who are in a dire situation.

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 2025-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to Portfolio Recovery Associates under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding a {$560.00} account they reported to the credit bureaus. According to XXXX tracking, their office received the letter on XX/XX/year>. 

Despite this, I never received any validation documentation or acknowledgment from the company. Instead, on XX/XX/year>, they updated the account status on my credit report to " Closed '' while continuing to report a balance and maintaining derogatory information, including a remark stating, " Dispute resolved subscriber disagrees. '' This is misleading and inaccurate, as no validation or explanation was provided to resolve the dispute. 

I followed up with a final notice on XX/XX/year>, demanding deletion due to non-compliance, which is currently en route. Portfolio Recovery failed to meet its legal obligation to validate the debt before continuing to report it, which I believe violates the FDCPA and FCRA. I am requesting that this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 XXXXXX/XX/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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
I got a loan from XXXX XXXX on XX/XX/XXXX for XXXX. Interest 19 %. 

On XX/XX/XXXX I responded to an offer from XXXX XXXX that appeared to be for a new personal loan. I realized after the fact that this was a " refinance loan '' and not a new loan. 

The original loan had a better interest rate and not enough equity for this to be a beneficial move. I believe this loan was misleading, it should have never been offered to me, and their system should have flagged immediately the fact that new interest was higher, plus the original loan was just 3 months old, and not enough equity built for it to make sense. Add XXXX XXXX XXXX XXXX time fee for this loan. 

Furthermore, while I paused and was thinking about it ( the new interest rate is 28 % so I stopped for a moment to think ), I received a call from XXXX XXXX loan adviser who insisted I sign in, there were a lot of benefits, and the funds will be there in XXXX days. I signed it, thinking this is a new loan. 

I realized it in 2 days the mistake and called XXXX XXXX  requesting them to reset it, and go back to the terms of the original loan. A refinance for a debt with no equity and a higher interest rate is clearly a mistake. They refused my request, claiming I signed for it and I am on the hook for it. 

I am requesting that this complaint be formally reviewed, and XXXX XXXX  be investigated for misleading advertising and aggressive practices toward a public who is in need and might easily be pushed toward these type of mistakes. Furthermore, in today 's era of computers and applications, they have a fundamental flaw in their systems if they offer these type of products which make no sense and harm the customer. It is similar to offering more alcohol to a customer who is going to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
WELLS FARGO Dear XXXX We hope this message finds you well. 
Your XXXX transfer of {$240.00} USD has been successfully processed on XXXX to XXXX XXXX. The transaction was completed securely, and the funds have been transferred accordingly. 
If you have any questions or need further assistance, please contact us at XXXX ( XXXX ) XXXX. Thank you for choosing Wells Fargo. 
Invoice Date : Invoice Number : Reference ID : Support Contact : DESCRIPTION Transfer Done Through XXXX Total Due Due Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX QUANTITY UNIT PRICE ( USD ) XXXX TOTAL ( USD ) XXXX XXXX For any assistance, please contact us at XXXX ( XXXX ) XXXX. We are here to help XX/XX/XXXX Thank you for banking with Wells Fargo. 
XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I REVIEWED MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS AND HARD INQUIRIES I DIDNT APPLY FOR CREDIT ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I REVIEWED MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS AND HARD INQUIRIES I DIDNT APPLY FOR CREDIT ACCOUNTS.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collection I Charge Off ( XXXX ) XXXX XXXX XXXX - {$830.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$2500.00} XXXX XXXX XXXXXXXX - {$1700.00} XXXX XXXX XXXX - XXXX - {$510.00} XXXX XXXX XXXX - XXXX - {$450.00} XXXX XXXX XXXXXXXX XXXX {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : ( List accounts ) XXXX  XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in XXXX  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 non-monetary relief
Consumer complaint received 2025-04-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 explanation