vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have not been able to access the website portal for viewing my account transactions and being able to schedule payments as only their mobile app is available and that is glitchy itself which I have called about several times but they have not fixed the available access to their website and the mobile app for myself and many other cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX 

I have looked over my records and have let you know that I did not authorize these inquiries. According to** Section 1681b of the FCRA**, an investigation can only be made on my credit report when I give consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report. 

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am filing a complaint against LexisNexis for failing to adequately respond to my dispute letter, which I sent via USPS Certified Mail ( Tracking # XXXX ) on XX/XX/year>. 
In my letter, I challenged the following inaccuracies on my LexisNexis XXXX report : XXXX Personal Information XXXX Accuracy and Verifiability of a Bankruptcy Record Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to USPS tracking, LexisNexis received my dispute on XX/XX/year>. Despite fulfilling all necessary requirements, I have not received any response or resolution. It has now been over 30 days, and LexisNexis has failed to investigate or communicate any findings. 
Under the FCRA, consumer reporting agencies are legally required to conduct a reasonable investigation of disputed items and provide a resolution within 30 days. LexisNexiss failure to comply with this obligation constitutes a direct violation of my consumer rights. 
LexisNexis inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Earlier today, I came across some incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed inconsistencies that werent present before. Thinking it might be a browser issue, I refreshed the page, but the inaccuracies persisted. Due to this situation, I request a detailed review of the documents I submitted to ensure I wont have to deal with this concern again.

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I deposited XXXX $ in the atm XX/XX/year> at XXXX pm the atm malfunctioned and starting making a noise I thought that it would give me money back it did give me a receipt Ive been in the bank/ branch and otp with supervisors 3 times no one could help me Ive been told 3 different things I need my money back its not my fault the atm broke. Also its on my way home used my XXXX XXXX I refused to use the atm and I noticed that the atm was serviced reached out to Chase Bank and they dont know anything still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2024 I rented a vehicle from XXXX XXXX from the XXXX XXXX XXXX XXXX. I declined the lost waiver insurance but before the transaction was completed, I decided to purchased the loss damage waiver insurance to protect the vehicle. The agency assure me that she had added the correct insurance, after clarifying with her multiple time. Upon the return the vehicle the windshield got damage. A few days later I, received a charge from the rental company for the windshield replacement. Therefore, the agency had added the wrong insurance. So XXXX, is making me pay for their employee mistake, because management has failed to training it employees on the different type of insurance they offer. I had contacted the management of XXXX and there was no resolution with him. He just had the I dont care attitude. So I reached out to Capital One and no help there, they gave me a permanent credit then took it back and gotten my account overdrawn. Im still trying to pay the bill, which I feel, I shouldnt for someone else error. I was charged for the rental and insurance that was already paid for, then the allowed XXXX come and add that extra charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I was surprised to see unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I can put this concern behind me for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
I sent a debt validation letter on XX/XX/scrub>XX/XX/2024. Argon agency responded and stated the debt was validated. 
I sent a method of verification letter on XX/XX/2024 and have not received any communication since. It has been well over the 30 days given on the letter.

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 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC
State: SC

Complaint narrative:
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 Account number : XXXX I received a bill from you on and as allowed under the fair debt collection practices act ( fdcpa ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally I am allowed under the Heath Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization.

Therefore my request is twofold -- validation of debt and HIPPA authorization. Please provide a breakdown of fees including any collections and medical charges. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting till the debt is validated. 
Please send this information to my address listed above, and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in attempt to be HIPPA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Debt Credit Reporting Act, which can allow me to collect damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 ). Specially, 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 the 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I owe {$87000.00} in student loans, which are currently serviced by XXXX XXXX. Recently, I became aware of a potential breach of my personal and financial information protected under the Family Educational Rights and Privacy Act ( FERPA ). This includes sensitive details about my student loan records. 

I noticed this issue around XX/XX/year>, when I began hearing reports of FERPA violations and the mishandling of student loan data. Since this time, I have contacted dispute platforms, such as XXXX XXXX, and have sought to address my concerns directly with XXXX XXXX. 

This issue is urgent, and I request that it be addressed promptly, in compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to verifiable identity theft this account was created using discarded documents and stolen information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to verifiable identity theft this account was created using discarded documents and stolen information.

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