vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. I am requesting that you block and delete all fraudulent accounts and inquiries associated with my credit file, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ) Attached to this letter, you will find the following documents to support my claim : A copy of my government-issued identification ( e.g., driver 's license or passport ) A copy of a recent utility bill or other proof of address A copy of the Identity Theft Report filed with [ name of law enforcement agency ] A list of accounts and inquiries that I believe to be fraudulent 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I keep getting calls about a loan i no longer have. I called and requested a cal back. The return call phone number come up as spam so it gets automatically blocked. I called back several times only to be met with the automated bot which is a horror. It finally put me through twice and each time their phone hangs up. Last try, i called back someone picked up and then their phone hung up once again. What are y'all calling me for leaving XXXX 's? Y'all no longer service my account so why the harassment. I'm not understanding what's the issue. The phone system is completely XXXX and y'all know it. What do y'all want, please delete all my info from the system. It's being hoarded subjected to another data breach, delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These errors have been dragging my score down for so long, and the toll its taken on my opportunities is hard to measure.

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 2025-01-02 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: WI

Complaint narrative:
I was transferring {$230.00} from Cashapp to my XXXX XXXX account and was told that I should recieve the funds by XX/XX/XXXX. However, there was no deposit of my money into my bank account. I had previous issues with Cashapp with a scam I felled into which resulted in the loss of {$3500.00}. I instructed them that it was a scam and that I have evidence to prove it but they instructed me that they'll do an investigation and never got back with me. I was able to talk with my local bank and they instructed me to talk with cashapp to see if they can retract the deposit back into my cashapp. However, they told me that I may been to wait several months to see i even get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SECOND REQUEST PAST 30 DAYS NOW. IMMEDIATE DELETION AND UPDATE TO 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 explanation
Consumer complaint received 2025-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1 XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1 XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I got a loan of of about {$8000.00} from Synchrony Home. The store, which is now closed, told us that the loan would be for five years, and I trusted the store and signed the paperwork. Synchrony puts the minimum payment in the account instead of dividing the loan amount into 12 months. Synchrony, in fact, put the minimum payment amounts, which I assumed it would be paid in five years. Even when I referred to terms and conditions, there was no mandatory minimum payment dues at all. THE ONLY CONDITION IS TO PAY IN FULL IN ONE YEAR. Which I had to do, which was more deceptive. When I realized money had been charged to my account, I contacted Synchrony, and they simply denied any wrongdoing and refused to refund the interest charged to my account. In addition, they did not communicate the matter online or by mail to remind me of my late payments. They simply keep you in the dark with the wrong information to charge you 35 % interest, fines, and fees.

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 2025-01-02 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: FL

Complaint narrative:
I have sent numerous letters to get this corrected without response. I feel as if I am not being taken seriously with the Bureaus. Please assist me in this investigation. Thank you.

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 2025-01-02 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: FL

Complaint narrative:
I have sent numerous letters to get this corrected without response. I feel as if I am not being taken seriously with the Bureaus. Please assist me in this investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, my husband XXXX XXXX went XXXX XXXX {$550.00} in cash at America First Credit Union XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We are originally from Texas, our XXXX XXXX in Texas is XXXX XXXX XXXX XXXX and we saw on a website that America First Credit Union was a shared credit union branch that we can deposit cash into. My husband used his XXXX debit card to use the ATM and tried to deposit the {$550.00}. He said the first time it did not work and gave him the receipt. He tried again but the ATM returned {$10.00} to him and ate the rest of the {$540.00} and did not give him a receipt. He did make a claim with America First Credit Union, but they said we would have to wait until they audit the ATM machine to find the overage and that it will take up to two weeks. 

We also filed a police report, XXXX with XXXX XXXX XXXX Police, and detailed the bill amounts that make it equal {$540.00}. 7 - {$10.00} bills, 11- {$20.00}, 1- {$50.00} and 2 {$100.00} bills. 

As of today, XX/XX/XXXX, I called and emailed a loan officer XXXX XXXX to check in with the Accounting department, and she states they have not audited the machine yet. It's now been over two weeks.

We have two case numbers with America First, Request ID XXXX and Research number XXXX. 

Our bank XXXX says they can not assist since the transaction does not show on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I attempted to make a payment on both my bank of america credit cards-I received a message that Due to the status of my account I am unable to make a payment. I called and performed several chats and no one can seem the figure the issue with the account. I was told it was disable due to inactivity but I make several payments on the accounts each and every month. No one seems to understand why I can not make payments but I was told the status of my account is good.

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 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX, I left my home city of NY for the XXXX holiday, returning in the evening of Friday XX/XX/XXXX. 

Over 50 purchases were made with my USAA Federal XXXX debit card over the course of XX/XX/XXXX and XX/XX/XXXX, totaling over {$3900.00} in charges. When I realized what had happened on XX/XX/XXXX, I contacted USAA and requested they freeze the account and issue a new debit card and PIN, which they agreed to do. USAA also agreed to conditionally restore the money illegally spent from my account while the bank conducted a review. I was told by a representative that I would be contacted by the bank if documents were needed for the review. I told the representative that I was out of town for the majority of XX/XX/XXXX and could prove if needed, On XX/XX/XXXX, USAA began to claw back funds from my account after informing me that their review had determined there was no fraud, despite the unusual nature and volume of the purchases made, compared to historical spending patterns. 

-USAA never contacted me during this spending spree to confirm if they were my purchases, standard practice among financial institutions. 
-USAA never requested ANY documentation to assist with the review -USAA has not contacted me directly during their review -USAA continues to take money from my account, despite, taken together, the unusual nature of the purchases, the unusual volume, and my assertion that I was out of state for the majority of time period.

-USAA has not cited ANY evidence to support their contention that I made these purchases. 

I have filed a police report with the XXXX and can provide a copy upon request. 

I have attached the fraud review letters from USAA ; even a cursory examination will show a pattern of spending consistent with fraud, especially when compared with the historical use of that account.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase United Explorer Mileage Plus Credit Card. One of the benefits is that I get two complementary lounge passes delivered to me annually. These passes are for XXXX XXXX Access when traveling with United and they are quite valuable, as lounge access is about {$60.00} per person. 

On XX/XX/year> my wife and I flew on XXXX into XXXX XXXX ( XXXX ) and had a layover till our next flight ( XXXX ). 

We went to the XXXX XXXX at XXXX XXXX and I presented my passes for entrance. I was denied. I was told the lounge was not accepting one-day passes that day and that I could try another lounge. Other travelers were still being let in mind you. Just not one-day pass holders. 

This would not be a big deal, except that I'm turned away EVERY time I've tried to use the passes over the past 10 years or so. I'd guess that I have tried to use them at least 6 or 7 times, and maybe as many as 8 times. Each time, I get the same denial : " We're not accepting one-day passes at this lounge today. '' On at least two other occasions in the past three years, I was referred to another lounge in another terminal that may be accepting them, and on each occasion, that lounge denied me access with the same statement.

United relies on their disclosures to support such denials, but I now see it's a scam benefit. I believe this happens to thousands of cardmembers year and it should be fixed.

I filed a complaint with United and United responded promptly. United stated I would get two {$50.00} travel vouchers within a few business days. While I'm not happy with this, it is what it is. I've lost out on hundreds and hundreds of dollars over the years by not being able to use them. 

Chase is the Credit Card Provider and THEY are responsible to ensure the reward and benefits program is not a scam. This is a card benefit and I can't imagine how much money they've made by not having to fulfill it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SECOND REQUEST PAST 30 DAYS NOW. IMMEDIATE DELETION AND UPDATE TO CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I do not have and never signed for an account with Carter-young. If its not with the original Debtor, I am legally not responsible to pay anything to a third party to which I never signed an account with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation