vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I told them it wasn't my debt and they are saying it is it should be removed it is illegal to report inaccurate information to my credit w/o my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MO

Complaint narrative:
To Whom It May ConcernXXXX XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 
XXXX XXXX has not given me the opportunity to dispute this account. If you believe you gave me proper notification, please send me the certified receipt with my signature, 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
This is a violation of my consumer rights by XXXX XXXX, including the use of false, misleading, and deceptive means. 
According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), XXXX XXXX XXXX in clear violation of the law by furnishing accounts to my credit report without providing required disclosures.

Under 15 USC 1681b ( 604 ( b ) ), XXXX XXXX does not have a permissible purpose to report or access my credit file without my express written consent. Because this is an unauthorized inquiry and account, you are required to remove it within four ( 4 ) days of receiving this notice. 
I am disputing owing any and all debts to XXXX XXXX  I, XXXX XXXX, am also revoking all rights of XXXX XXXX from communicating with me through email, text, or calls. 

I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX  and the original creditor. Furthermore, I request that XXXX XXXX XXXXurnish proof that they are licensed and bonded in the state of Missouri. 

Additionally, under XXXX XXXX ( Transfer of Instrument ; Rights Acquired by Transfer ), I request proof of legal standing to collect this debt, including the full chain of assignment. 

Failure to comply with my requests within four ( 4 ) days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Missouri Attorney Generals office. 

Sincerely, 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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally financial held my last payment on XXXX for a month without posting it. When they did post it they were told to pay off the principal. They paid it towards late fees after they told me it would go towards the principal. I called them back and told them I had the agent note my account saying I wanted it to go to the principal and they finally did it. But then they turned the late fee into another monthly payment which was not there before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year>, I filed a complaint with CFPB regarding XXXX XXXX XXXX regarding a credit card debt that was disputed and deleted from all three credit reports. 

Then on XX/XX/year>, I contacted the company in writing and disputed the debt that was disputed with the credit bureaus and requested at that time the company stop contacting me regarding a debt that was determined by the credit bureaus to be invalid. This company continues to call, email and even send text messages after being told repeatedly to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX  Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX  continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent.

Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX f

ailed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that l believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results Likes effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled XXXX  a similar manner.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personal 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
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC
State: MI

Complaint narrative:
I am reporting this information because i saw loans in my name that i never signed for. I did not apply for any loans. I have reported them on my XXXX XXXX and XXXX account. I filed my dispute on both sites as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc

Complaint narrative:
I was scammed into purchasing a fake product for XXXX XXXX, I used paypal to pay for it, I tried to contact paypal to help me recover the money I was scammed with, but paypal 's customer service provided very poor service, my transaction was within 180 days, but they didn't try to assist me in recovering my moneyThey just rudely closed my case, even though I have some proof that I bought a fake item, I hope you can help me contact Paypal please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
I would like the accounts to be removed off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made a purchase with XXXX XXXX  through Affirm on XX/XX/year> and item was received in XXXX. I tried the item on and it did not fit as described so I returned it for a refund. I reached out to the company after 3 weeks of no response only to be told about a store credit received. I informed the store and told them that I would never shop with their store again and to provide a refund. I reported the return to Affirm that has not processed it as a refund and still continues to charge my account. I am not paying for an item that I no longer have and I am not accepting a store credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters no response are investigation on report Experian ignores response letter sent have removes I been victims of identity thief.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK CLOSED MY ACCOUNT AFTER 9 YEARS WITHOUT EXPLANATION AND WOULD NOT GIVE ME ANY INFORMATION AS TO WHY. I HAD A PREVIOUS SECURITY FREEZE ON MY ACCOUNT WITH XXXX XXXX THAT WAS PLACED BY MISTAKE ON MY END AND REMOVED THIS ACCORDINGLY SO POSSIBLY COULD BE THE REASON FOR CLOSURE BUT DOES NOT MAKE SENSE.

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 monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XX/XX/XXXX, there was a deferred interest promotion for 2 years with SYNCHRONY BANK. At the end the interest would accrue at 26-28 %. Had to pay by XX/XX/XXXX to Avoid the accrued interest. Loan was XXXX. Up to this point, I was paying monthly to Synchrony bank and then made extra payments on time. I WAS PLANNING ON PAYING IT OFF AT THE END OF THE PROMOTION.

Unfortunately, I missed the promotional date by 4 days. I was getting regular statements in the mail from SYNCHRONY BANK up until 7 month ago then it went e-statements which I DID NOT opt out for!! This caused me a considerable amount of confusion which thru me off with some e-statements that i didn't even get! When I noticed the higher amount of the monthly payment I called on XX/XX/XXXX ( ONLY 4 DAYS AFTER THE PROMOTION ENDED. asking why? She said it was the interest .She did not mention that it ended or that I can pay it off.. Or tell me there was a 30 DAY GRACE PERIOD!!! NEVER GOT ANY EMAIL TELLING ME PROMOTION WILL BE EXPIRING SOON I WOULD Have PAID IT. They added on over XXXX of interest which l 'm asking to be WAIVED ASAP. I called 3 days after the promotion ended on XXXX XXXXwithin the 30 day grace period!! One Manager tells me they '' COULD Have DONE IT THEN BUT NOT NOW " it's past the date but I CALLED 4 DAYS AFTER!! Still had time to pay it off. Then say they will put it into escalation and a supervisor will call to look into it more IN 3-5 DAYS.NO ONE CALLED. Then ANOTHER manager says " WE DONT HAVE TO INFORM YOU ABOUT THE 30 DAY GRACE PERIOD!! there all on different pages I AM BEING TREATED SO UNFAIRLY. I HAD A CHANCE TO PAY THIS OFF 4 DAYS AFTER THE PROMOTION ENDED WHEN I CALLED. Within 30 days!!!

I ENDED UP PAYING THE PROMOTIONAL BALANCE OFF XXXX.a couple of weeks ago. I am very concerned and upset about this predicament with this loan and bank! I made consistent payments over the 2 years. it was my intention to pay it off. I SHOULD NOT BE PENALIZED.I hope this can be resolved WITH the INTEREST WAIVED AND SOME REIMBURSED XXXX XXXX they took. I WAS WITHIN THE 30 DAY GRACE PERIOD ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # 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 monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XXXX 2022

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 2025-02-03 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: GA

Complaint narrative:
I received the a message from the credit bureau of a NON-MONETARY RELIEF, I am requesting that the credit bureau grants a MONETARY RELIEF status on my credit report to remove the collection amount ( s ). The collection agency did not remove the collections from my consumer report, PLEASE REMOVE FROM CREDIT REPORT, this is a form of communications by having it as a COLLECTION on my Credit Report and I would like the collections REMOVED ( {$8900.00}, {$3500.00} & {$1600.00} ) with XXXX, not just a " Non-Monetary '' Close, per CFPB Case # XXXX. They are using another 3rd party company to communicate with me, please see the response from them : Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response Re : Case Number : XXXX XXXX XXXX This response is regarding a consumer complaint filed by XXXX XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Complaints of this nature are taken very seriously. Moreover, XXXX XXXX XXXX, XXXX denies any allegations of wrongdoing. We are in receipt of the Consumers complaint and dispute and would like to confirm that we have notified our client of the consumers complaint and dispute, as well as the desired resolution. In light of this complaint, we have placed an immediate cease on any attempts to communicate with the Consumer. We have also added the Consumers phone number onto our Do Not Call List to ensure no calls or XXXX  can be placed. Moreover, all email communications and text messages are equipped with a self-service opt-out mechanism. To be clear, XXXX XXXX XXXX, XXXX has not and will not report this to any consumer credit reporting agencies. I hope that this addresses the Consumers concerns. If I can be of any further assistance, please do not hesitate to contact me or my office directly by phone at ( XXXX ) XXXX ext. XXXX or via e-mail at XXXX Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX email : XXXX PH : ( XXXX ) XXXX ext. 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 2025-02-03 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: KY

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.

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 2025-02-03 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-02-03 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$800.00}

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 2025-02-03 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation