vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 15 U.S.C. 1666b is a law that regulates the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers at least 21 days before the payment due date. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-16 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: TX

Complaint narrative:
My student loan accounts were suddenly reported to credit bureaus as being unpaid. My student loan provider, Nelnet, made absolutely no effort to contact me via any method ( phone, email, traditional mail ) to let me know that they were due, let alone delinquent. I have the same phone number and mailing address as when I signed up for the student loans. My credit score immediately dropped due to not making payment on them because I was not contacted in any way to let me know that payments were due. I would be more than happy to make the payments once I know that they are required to be paid, but as stated Nelnet did not make any effort at all to contact me and let me know that it was time to start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Meta Payments Inc.
State: AZ

Complaint narrative:
On XX/XX/year> XXXX XXXX responded to my complaint XXXX and agreed to correct snd restore my account. They also requested a new email for me to provide. However they gave no information on how to contact them. I have spent 2 months trying any email for meta on line with no response. On XXXX XXXX they responded again to my previous complaint with XXXX with finally a way to contact them. They agreed someone would I immediately restore/contact me. I immediately sent them a new contact email of XXXX. As of todays date no one still has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MD

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting a claim because I was charged hidden interest fees on my Capital One credit card that were not clearly disclosed. I noticed that my monthly statements included charges that seemed to be interest, but they were not explained clearly in the terms or disclosures I received when I opened my account. As a result, I ended up paying more than I expected due to these hidden fees, and I was unaware of how these fees were being applied until I reviewed my statements closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo credit card account was opened under my name without my knowledge or permission. I found out about this when the collection company reached out to me requesting a $ XXXX debt to be paid off. This account was opened in XX/XX/year> and closed in XX/XX/year>, and the $ XXXX balance was spent in the first 3 months, which is deemed as suspicious behavior. During this time, I have never received a statement or phone call from Wells Fargo that I have this credit card under my name that needs to be paid monthly.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 proce 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 XXXX  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 2025-02-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I have on a few occasions been locked out of my account for no reason whatsoever. I pay my bills on time all the time, and have done so for decades with all my credit card bills. In short, I am an excellent customer with an excellent credit score and history. Nevertheless, I am asked to verify my identity all the time, forced to call up the credit card company to provide more and more private information. Today I was locked out of my account, so I called up customer service, who asked me to add up the last few numbers of my driver 's license number. What!! XXXX, how do they even know what my driver 's license number is? I have never given this information to them. XXXX I just moved to Montana and so have a temporary license until I receive the hard copy in a week XXXX XXXXXXXX. I am sick and tired of credit card companies being XXXX overly zealous in security and XXXX prying into my personal information. If I pay my bills on time they have no business, and no right to demand security checks from me all the time, and no right to be gathering information that has nothing to do with my account. I am disgusted with this new development of credit card companies doing this. In having credit cards for over XXXX years this never started happening until just a few years ago. These companies need to be reigned in. This is both terrible customer service and an invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
There is an Affirm account that I never open or applied for on my XXXX and XXXX report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file. 

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I reached out to let company know I have no knowledge of this debt. Debt has been returning on my report a number of different times in thw amount of XXXX dollars, the latest being XX/XX/year>XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Loans are on forbearance due to the SAVE court order. Interest is not supposed to be accruing. Nelnet has been adding interest for the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concern regarding Zelle handling of disputes particularly in light of the recent cfpb lawsuit with the platformZelle failed to investigate my claims despite using Zelle numerous times and reporting discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy has failed to report accurate information on my credit report. 
They are reporting a delinquency account & even turned my account into collections. I have automatic payments that are being deducted by this company the pays my balance every single month. The information on my credit report is showing that I missed several payments when in fact payments are still being made til this day. I have proof with my bank statements. 


I sent Best Buy/CBNA a letter : ACCOUNT # XXXX COULD YOU PLEASE PROVIDE WRITTEN INFORMATION REQUESTED : Date of last payment Date of first delinquency Date o charge o They never responded back and failed to make necessary updates. 
This is giving me hardship in life in obtaining necessities involving with my consumer credit report.

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 2025-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove from transunion, equifax, experian all inaccurate names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX remove immediately. Remove inaccurate addresses : XXXX XXXX XXXX removed. Inaccurate acct without proof of signed consent and orginal Proof that the collection agency has the right to collect the debt. Any judgments obtained. Demonstrate the Debtis still valid under the statute of limitations 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b )

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 2025-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: ID

Complaint narrative:
I have been attempting to work with Action Collection for years to settle this debt. On my credit reports and XXXX XXXX reports, the debt listed is a different amount than what they claim I owe them. They refuse to accept anything less than what they claim I owe them, even though the reports clearly indicate a lower amount by over half. 

These people operate in bad faith. They have filed a judgment against me, used to call me and harass me weekly, call my employer and harass him, and have threatened to renew the judgment at the end of 10 years, when this amount owed is trivial. They refuse to validate the accurate amount of debt and allow me to pay it with the security of knowing it is accurate and going to be taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
There is an XXXX account that I never open or applied for on my Experian and XXXX report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file. 

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.

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 2025-02-16 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:
There is an XXXX account that I never open or applied for on my XXXX and equifax report. I have reach out to the companies directly and the credit agencies the only agency to respond proper was XXXX XXXX. I have filed a police report and given the person info who I believe stole my identity. 


I am unable to get a home lone because of this one fraud account on my file.

I need this removed per the FCRA rules. 

I will retain council if this is not investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I feel retaliation practice, After filing an investigation complaint on XXXX, I am unable to access my credit report online through their website. 

O waited on separate dates to make sure this isnt a technical or maintenance problem, I have tried on XXXX different dates to retrieve my credit report online with TransUnion. Prior to my complaint I didnt have any issues in accessing my current credit report or retrieving a new one. I am unable to get either. It goes through the steps, leading to accept the terms, but when the next page appears, nothing reflects. Nothing shows up. No credit report Information Appears..

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My bank Santander Bank wont release my government checks the {$4000.00} in my account. I havent seen any money from my account in 45 days. They keep telling me I have no money in my account every time I go to the bank they say I have no money in my account. This is fraud complete fraud. My balance is over {$4000.00}. They wont release any of my money they give me {$700.00} credit from retailers. They gave me credit amount but they wont release any of my direct deposit Social Security checks theyre keeping me hostage Since XX/XX/XXXX. Theyre keeping me hostage and only give me money that be refunded from fraud complaint, they wont give me my {$4000.00} in government checks

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