vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-03-07 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-03-07 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: AZ

Complaint narrative:
I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY FRAUD. I HAVE PROVIDED SUPPORTING DOCUMENTATION MULTIPLE TIMES TO SUPPORT MY CLAIM. MY CONSUMER RIGHTS ARE BEING VIOLATED EVEN WITH THE SUPPORTING DOCUMENTS AND EXPERIAN IS REFUSING TO REMOVE FRAUDULENT ADDRESS THAT ARE REPORTING ON MY 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 2025-03-07 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In a letter dated XX/XX/year>, Portfolio Recovery Associates only provided evidence that the debt they bought from XXXX XXXX exists ( see Complaint No. XXXX ). They did not provide anything that could justify the causal relation between XXXX XXXX 's deprivation of my right to Accessibility and the fact of the debt. Historically, XXXX XXXX has been hostile to me when I sought to prevent the debt in vain ; the Specialty Assistance Program was supposed to help me with this, but it did not. PRA failed or refused to provide any evidence of justification for this. 

On XX/XX/year>, at XXXXXXXX XXXX, while I was in the middle of handling the aftermath of an assault and battery ( I failed to allege battery ) by my brother, PRA made an inappropriate phonecall that disrupted my ability to effectively communicate with the police, PRA 's infliction of emotional distress resulting in further exposure to police misconduct ( which has been impacting my credit and financial health for over twelve-and-a-half years, now ). PRA helps prevent me from repaying any debts this way, just as XXXX XXXX did by denying and disparaging my right to Accessibility. At XXXX XXXX  and then again at XXXX XXXX I contacted the CFPB to discuss the unwanted contact, resulting in this complaint being filed online ( I could only access digital evidence for this complaint ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As of XX/XX/year> the bank stopped reporting my XXXX acct to the credit bureau and put it as closed but the account is open and I am still making payments. This is an adjustable mortgage and my XXXX XXXX decreased once they closed my loan. My interest rate adjusted after and increased by XXXX percent. So for the next XXXX years my interest rate is XXXX percent higher. Additionally they wrongly reported my credit card balance as over the limit in XX/XX/year>. I also never received notification that my mortgage was adjusting, the apr or the new payment amount before it was adjusted. Now i feel like I am not in a position to refinance with a new lender because my information is not reflecting as it should and my XXXX XXXX is not what it should be due to their inaccuracies. I feel like am being forced to keep my loan with them the agent XXXX XXXX even tried to offer to refinance me with a below market rate which is higher than what I had to solve the problem.

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
It is apparent that my requests to review call recordings, made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, have been denied. My XX/XX/XXXX request, directed to a supervisor, for access to these recordings remains unaddressed. While the initial response indicates a review, it appears the request for call review was overlooked. Given that these calls are recorded, isn't access to these recordings standard procedure? The lack of resolution after XXXX attempts is unacceptable. This situation suggests a company policy that prioritizes corporate interests over customer needs. The account, maintained for years without any balance increase, was underutilized, further highlighting the ineffectiveness of the service. The claim that fee waivers are not guaranteed is misleading, as I specifically requested access to the call recordings for review by myself or the CFPB. Due to the unsatisfactory resolution, I will be filing a complaint with the XXXX XXXX XXXX The continued assessment of fees on my account is unreasonable. My XX/XX/XXXX, request to waive the approximate {$80.00} in late fees and close the account remains unaddressed ; why is the account still open following that request? It appears the intent is to generate additional revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I have {$69.00} in my XXXX XXXX XXXX account. I have contacted them more than once to get it out. My account is locked. They won't tell me why. It was attached to my apple XXXX that I no longer have because I had to file for XXXX due to scams. Someone had also got into my apple accounts and attached multiple banks to it, claiming they were going to pay the balance, but the payments just bounced. I went through the XXXX process for XXXX XXXX and it was all XXXX but they still will not release my money. First they said they would send a check. It never showed up. Then they said they would look into it and call me back. They claimed to have submitted a case for it. They did not call. The withdraw button on my account is greyed out. They will not tell me why it was locked or why they will not return my money. They can not hold my money because I filed bankruptcy as it has all been XXXX. My last call with them was on XX/XX/year> at XXXX XXXX. It lasted XXXX minutes. The time before that I got bounced around to about XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Hello CFPB, I am writing to file a formal complaint against Care Credit for failing to review my account for a higher credit limit, despite my consistent good standing and responsible use of the account. 

My Care Credit account has been in good standing since its inception, with all payments made on time and no history of missed payments or negative marks. Despite this, I have made multiple requests for a credit limit increase, yet my account has not been reviewed or approved for an increase. This has caused significant frustration, as I believe I meet the criteria for an increase based on my payment history and responsible credit use.

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would love to pull my credit report so I can dispute

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my Experian credit report. Despite previous disputes, these errors continue to appear, and Experian has failed to provide proper verification as required under the Fair Credit Reporting Act ( FCRA ). These violations of my rights must be addressed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MI

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 account listed without my expressed written consent.

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 2025-03-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There were false charges many months ago when I was still able to access my account online. I called and was told they would be deducted. Then somehow I lost access to my online account to check every month if more charges and the outcome of my complaint. In multiple attempts to get access renewed to my online I was told they could not verify me and I would have to send ID and a photo of myself. Multiple very exhausting and aggravating calls followed over the months. They wanted a driver 's license which I don't have as I am XXXX, live in XXXX and I had no reason to renew my drivers license. I sent am expired one but they didn't want that and said they might take my passport. I sent that and they then said they do not accept passports. More attempts by calling thinking I might get someone who could help. Elevated calls to higher levels in customer care but always the same dead end. I have to keep making payments or my credit will go down the tubes AND I will just have late charges added so I can't quit paying. I have to do it by telephone. At one point they did email a XXXX  of the statement showing the fraudulent charges were reversed. I had no clue who the company was that had made the charges although their name was on the statement but all charges were NOT refund. More calls attempting to get online access but my means of verifying myself were never what they wanted. For example wanted to call me on the phone number they had on file which of course was always the number on which I was calling them. Because it is a XXXX number I could never receive that call while on the phone with them. My only other number is a XXXX number which they would not call. So each time I tried to verify myself I got nowhere and no access to my online account. Finally today I tried one more time because now, because of the situation of the entire world due to the new US Government Administration, I am on anxiety medication from fear of MANY bad things that could come my way. I again went through the whole thing with a customer service rep and finally told him I was done and would file a law suit against CapitalOne no only for the entire bill but also for personal injury for all the suffering I'd been through for many many months. They he gave me a supervisor. Went through the entire matter with him and when it was still a dead end I advised him I would be filing suit and that it would cost Capital One to respond and if they didn't respond they would be in default and have to pay whatever I asked for in personal injury - like maybe I would ask for {$100000.00}. All of a sudden that higher level manager said he would refer the matter to a still higher level. I told him if I didnt get resolution in two weeks I would file suit and that was my last contact..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
Last year, XXXX XXXX XXXXXX/XX/XXXX I became a policy holder at XXXX XXXX XXXX XXXX for {$260.00}. This policy was purchased to insure my mother 's XXXX XXXX. My mother decided that she could not afford the insurance plus the car payment and was contemplating voluntary repossession for the vehicle so a month later we decided to call XXXX and XXXX. This took place around the beginning of XX/XX/XXXX. The representative I spoke with at the time cancelled the policy at MY REQUEST and did not state any remaining balance on the call. Months later ( XX/XX/XXXX ) I check my credit report because my mother was diagnosed with XXXX XXXX, a tragedy that has shaken my family and I was looking at my options to get a loan to help us through this difficult time, and saw that XXXX had sold a debt of {$110.00} to Credit Collections Service. I have called XXXX a few times and spoken with different representatives and was told different information. I first spoke to a XXXX XXXX  and XXXXXXXX XXXX  in late XXXX on two separate calls and was told that the {$110.00} owed was from 4 days of the policy that I consumed insurance for in the month XXXX of XXXX. I asked if this can be sent to me in which they told me they would send it, confirmed my address as well as other necessary details and and they never did. By the beginning of XXXX I called XXXX again. and was told, that THERE WAS NO RECORD OF ME CANCELLING. i called XX/XX/XXXX and spoke to a few rep, XXXX, XXXX and XXXX- all said no record of me cancelling, XXXX was kind enough to explain the scam of XXXX stating that they cancelled me and sent me through my email on XX/XX/XXXX a cancellation notice from may I NEVER RECEIVED not by mail not by email. THEY SAID THEY CANCELLED ME, when in fact I CANCELLED over the phone. Today XX/XX/XXXX at XXXX I spoke to XXXX XXXX XXXX who told me they don't document all calls just some. VERY CONVENIENT to not document a declaration of cancellation of a policy holder and then he stated that XXXX only keeps recordings for 30days, HOW IS THIS LEGAL? HOW CAN THEY JUST DAMAGE PEOPLE 'S CREDIT WITH BASELESS INFORMATION? HOW THEY DONT KEEP RECoRD OF ALL INTERACTIONS, I work for health insurance and have worked for even debt collection EVERYTHING MUST BE DOCUMENTED FOR LEGAL PURPOSES how is this OKAY for XXXX XXXX DO to its consumers??? this is incredibly disheartening and cruel for us consumers. I want this to be public to warn any consumer looking to get insured to XXXX DONT, I have ran across so much evil things they have don't to peoples credit report its insane they are still running a business, and a shame on the business bureau to allow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief