vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: ND

Complaint narrative:
I had to open account through " Revolut '' for the fact that the opposed " XXXXXXXX XXXX XXXX XXXX' website I was sent through, wouldn't take my XXXX XXXX card as it wasn't a bank they go through, so I had to use XXXX that they solely went through. so i opened an account and put in info so it would go through. 
Then I had to put in {$500.00} to prove Legitimacy because there's acts of fraud and this helps prove that it isn't fraudulent. ( from at least the steps I was told and designated ) So I put in the money safely because It is a credited bank with high ratings so I felt safe with it. 
Then I end up getting a random notification that {$500.00} is sapped from the account and that I " allowed this to happen ''. 
The sales specialist reassures me and tells me to wait a moment this is in procedure of verifying me, and them they tell me on the lines of, " I am suspected of fraudulent activity, and i need to put another {$500.00} so they can unfreeze the transaction and deposit the money back to me. 
I immediately know its now a scam and request money back, yet they tell me I just need to follow instructions. 
So i immediately go to request to put in a dispute against the transaction because its still pending. But the company XXXX minutes later deny my dispute and say, since I allowed the transaction they cant do anything about it and that it's not fraudulent. 
I then talk to a live agent and we go back and forth talking, but for XXXX hours he told me no over and over again that they cant do anything and once they submit their decision the dispute can never be looked at again. 
I didn't get to pitch my case, they didn't reach out for any information, and didn't request any evidence. The Live agent even said that they go through disputes " Minutely '', so under assumption they looked at my dispute for XXXX seconds and just denied it because I " accepted the transaction '' when I would never just willingly let {$500.00} go from my account to " verify my integrity ''. 

This was a huge case of fraudulent activity, and they didn't bad an eye or seem to try and help me, and help others from this happening to them. In terms they let it happen and sought no means to take Fraud seriously and let my money go for free, even when the transaction was still pending, and the me the sole proprietary owner of the account and {$500.00} said that I did not willingly authorize the transaction.

Company response to consumer: Closed with monetary relief
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 — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I recently reviewed a copy of my XXXX consumer report that listed a balance with Aidvantage with all my student loans Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. All of these account ( s ) should reflect as paid in full

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: GA

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 non-monetary relief
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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
None of the companies having their cards through Synchrony can do anything about it - eg Lowe 'sXXXX XXXX XXXX XXXX, JCP. 

The problem is synchrony. They mysyf, nor synchrony.com/accounts will allow more than one card, so no matter where I try to pay my bill, I can never log in without having to change the password. And you can't use a previous pw, so it is one big problem. I can't imagine I'm the only one.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights in violation of 15 U.S. Code1681b, of my CFPB consumer credit reports

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: 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights in violation of 15 U.S. Code1681b, of my CFPB consumer credit reports

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 ) 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 systematic 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 my 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 inaction violates federal law and my right 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: 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: VA

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: 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: TX

Complaint narrative:
I have been disputing an account with XXXX and Transunion regarding XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX to which I never received a response. I resubmitted the disagreement because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the XXXX XXXX  provided to me by the XXXX XXXX XXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, Transunion, and XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing an account with Experian and XXXX regarding XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX to which I never received a response. I resubmitted the disagreement because the year this account was opened, I was XXXX  with the Texas Department of Criminal Justice at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: WI

Complaint narrative:
Arvest indicated that they mailed a check for {$8600.00} from escrow to pay the annual property taxes. They indicated that the check was sent to our home address. The check was never received. We requested a new check to be made out to the property owners instead of the XXXX XXXX XXXXXXXX since we had to pay the taxes out of our checking account. 

We contacted Arvest customer service in XXXX and then again on XX/XX/year> requesting a new check be reissued assuming that one was ever issued since it was never received. We have contacted Arvest again today requesting a check.

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: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
There a lawsuit with XXXX not not accurately disputing items on report. I have ask for several disputing investigations recently and in the passed. Please remove negative false infirmary on from my credit report.

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: MO

Complaint narrative:
I'm reopening the case for Experian ( attached ) because it never got resolved and including XXXX. I reached out to all the hard inquiries listed on my credit report. Attached are the responses from the inquiries that responded back. Also attached are the letters I sent to Experian and XXXX demanding these inquiries be removed immediately. The addresses listed on my credit report are apparently invalid, they came back return to sender.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Social Security Number was included in a recent major Data Breach. I pulled my Credit Reports from Experian, XXXX and XXXX, and found inaccuracies on each report. 

I sent a Dispute Letter to Experian via Certified Mail on XX/XX/XXXX, which was received on XX/XX/XXXX. Experian did not PROPERLY INVESTIGATE AND VALIDATE the Disputed Accounts, as they began sending me updates on XX/XX/XXXX. All the Investigation Results state " The INCORRECT account information will remain on your report ''. 

Since Experian admits the Disputed Information is INCORRECT, but refuses to correct or remove it from my Credit Report, Experian has violated my rights under THE FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692g, THE FAIR DEBT REPORTING ACT, HAS DEFAMED MY CHARACTER, as well as willfully denied me access to Goods and Services, Housing and Employment.

I believe all these Accounts with admittedly INCORRECT information should be DELETED from my Credit Report immediately. Thank you in advance for your assistance 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

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: 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: TX

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: AL

Complaint narrative:
They refuse to update my closed accounts and continue to report them late every month. The accounts were dissolved with an old bankruptcy filing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also another account XXXX  that I have asked for them to verify the original creditor and provide me account information on a they have not done so, but keep updating the account as verified.

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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been over 90 days and this company is in violation of this law because I'm a victim of identity theft! Please delete these items as soon as possible!!! ; XXXX XXXX XXXX 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 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was notified that I was involved in a data breach Data breaches Review the data potentially exposed in XXXX breaches Review the data potentially exposed in XXXX breaches XXXX XXXX Reported XX/XX/XXXX Lowes Reported XX/XX/XXXX SYNCB Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 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