vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX, Social # XXXX : Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account # XXXX Credit Card {$820.00XXXX XXXX XXXX Account # XXXX Credit Card {$540.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$360.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$5700.00XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$0.00XXXX XXXX XXXX  Account # XXXX {$0.00} XXXX XXXX XXXX Account # XXXX {$600.00} XXXX XXXX Account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

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 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 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I attended an online event hosted by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, during which I was urged to sign up for their career transition program from XXXX to industry. The representatives stressed urgency by stating there were only three spots left and gave me approximately 10 minutes to decide. I was led to believe that this program would efficiently secure me a XXXX XXXX XXXX  within three months, and based on that promise, I agreed to enroll. 

Upon entering the program, XXXX directed me to secure a loan of {$4900.00} through their partner, Affirm. Due to my strong credit history, my loan was approved on XX/XX/XXXX. I initially had high expectations, believing I would receive comprehensive, personalized support, including tailored career coaching, a dedicated account manager or mentor, and ongoing guidance tracking my progress. These assurances were central to my decision, particularly given the substantial fee I paid for membership. 

Contrary to XXXX  representations, I did not receive the personalized mentoring or resources they promised. Their commitment to providing an effective pathway to an industry role proved inaccurate, ultimately misrepresenting the programs true efficacy. This has had significant financial consequences : despite my substantial investment, I remain unable to secure a salaried industry position after two years, with no meaningful assistance or results from XXXX 

I reached out repeatedly to both XXXX support team and its founder to either facilitate my transition into the industry or refund my payment, yet neither request was fulfilled. In XX/XX/XXXX, I submitted a complaint to Affirm regarding my experience with XXXX but my case was not resolved favorably, leaving me without recourse despite presenting documented evidence of the programs shortcomings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Discover for what I believe to be repeated violations of the Consumer Financial Protection Bureau 's ( CFPB ) late fee regulations, which were updated and implemented on XX/XX/year>. 

Since XX/XX/year>, I have been charged late fees by Discover that exceed the legally allowable amount under the current guidelines. Specifically : XX/XX/year> : {$30.00} late fee XX/XX/year> : {$41.00} late fee XX/XX/year> : {$41.00} late fee XX/XX/year> : {$41.00} late fee Based on my understanding of the CFPBs updated rules, late fees are capped at {$8.00} unless the issuer can provide reasonable justification that higher fees are necessary to cover collection costs. Discover has failed to provide any such justification. 

While I acknowledge that these charges resulted from late payments on my part, the excessive feesamounting to $ XXXX caused me significant financial distress. I earn just under {$2000.00} per month, and these unwarranted fees have set me back financially during a critical time in my life. Furthermore, the burden of having to monitor a large financial institution 's compliance with federal regulations has added unnecessary emotional stress. 

I have paid the fees in question, but I believe they were charged in clear violation of federal guidelines. I request the CFPB investigate this matter thoroughly and take appropriate action to ensure Discover is held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
I disputed several things and they said it was accurate and it was not!!!!

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 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I received a email today from the US Department of education in reference to a complaint I previously made to Edfinancial services. Ive informed this fraudulent credit agency of this school going out of business and the difficulties I experienced while trying to attend this school. I was continuously ignored and interest was applied to my loans, as well as defamation of my character by reporting this false information to my credit report. In turn this false reporting has cause me severe hardship. I also had wages garnished. Ed financial never followed up with the proper investigation. Also harassing phone calls, letters, falsifying documents, sending correspondence to my family ; after I informed ed financial services of my correct information. At this point they need to be held equally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
I have XXXX inquires on my credit from someone using my name to try n purchase a house. I will contact the other credit bureaus for fraud protection and put a freeze on my account myself I would like help removing these inquiries please. I have know idea where they are coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a used auto load with PenFed that was set up with a recurring ACH payment from my checking account. One month, XX/XX/year>, the ACH was rejected and I was charged a {$30.00} ACH rejection fee. I spoke to PenFed, they said that the issue was with XXXX  XXXX XXXX, which is where my checking account is at. I spoke to XXXX  XXXX XXXX and they said that they can see the historical payments but no request was submitted for XX/XX/year>. I called PenFed back and they looked into the issue. They said that nothing was changed in the ACH request and that I should not be charged the {$30.00} ACH rejection fee but the service representative said that she could not reimburse me for the charge in the system and that I was out of luck.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XXXX and XXXX XXXX attempted to get refund due to XXXX  protections, company claimed they are within legal rights to make the correction to 6 % which they did but then take the overpayment they were not entitled to and apply it to principle without my consent. I asked for company policy and they refused, I asked for legal team explanation and they refused, I asked for supervisor and they refused. 

XXXX  provides protections against overpayment on interest, they dropped by rate and instead of refunding the close to XXXX $ I am owed they instead chose to keep that and apply to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

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 2025-01-14 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: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I attempted to use my Bank of America XXXX  XXXX credit card to book a flight using my rewards with the card. During the call, somehow, I was intercepted by a fraudulent company called XXXX XXXX, which I assume is located in XXXX based on the interaction. The person on the phone, named XXXX, told me that they were a part of the rewards program and he was the only way that I would be able to facilitate the transaction. I authorized the purchase of the flight which was {$720.00}, but did not authorize the separate fraud charge to XXXX ( as was listed on my statement ) for a total of {$930.00}. I later realized that the transaction was fraud when it was brought to my attention and confirmed by the XXXX  XXXX. I tried filing a dispute with Bank of America on XX/XX/XXXX and was denied on XX/XX/XXXX. I was not alerted about the suspicious activity at the time of the transaction.

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 2025-01-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-14 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: TX

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX and Equifax have failed to fulfill their 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 XXXX, 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 XXXX and Equifax have 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 XXXX 's inaction violates federal law and my rights as a consumer. 

I sent XXXX dispute letters by mail to both XXXX and Equifax XX/XX/year> and again XX/XX/year> with proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-14 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: NV

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 2025-01-14 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: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA

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 2025-01-14 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
my account was closed and i never received my money i called and they told me to come in and give ID because i opened the account online XXXX  feature kept telling me to open an account to use the feature when i went in person the first time they never resolved the issue when i went the second time they said they returned the money but i never receive

Company response to consumer: Closed with explanation