vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Someone had to send me money and the only platform they had was venmo. So I created an account. I received the money and it showed a balance. Upon trying to get the money off of venmo I was told I couldn't unless I confirmed some info. This was never told to me up front. well i confirmed my info and submitted my license and social security photos of these highly sensitive documents. My documenation was then approved to transfer and do what i wanted with my funds. So I decided I would try and buy some crypto. Purchased the crypto again without issue. Now I try to send the crypto XXXX to a personal wallet of mine. all i get is the error " '' things don't appear to be working right now '' l 've tried sending to multiple wallets and get the same error and it has been occuring since yesterday. At the moment I have the funds in the account. no holds, all of my identity stuff is up to date and approved, and they are not allowing me to send my funds! My username is XXXX  This morning they finally reached out to me telling me my account was frozen but wouldnt supply a reason. they asked me to upload a form of identification. I did that yesterday and it was approved, but I went ahead and uploaded a photo of my license again, AND even included my passport as well. I've heard nothing since. They are just looking for ways to get private information and steal money. how can they allow so many people to use their service to purchase crypto then after buying, freeze their accounts and ask for the same ID over and over again. They are FRAUDING us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 seven 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Cease all communication with me. 
Account involved in litigation!! " I have not supplied proof under the doctrine of estoppel by silence, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I used my Care Credit credit card to pay for a XXXX XXXX  at XXXX XXXX XXXX in XXXX. However, on the day of the XXXX, XX/XX/XXXX, the doctor refused to proceed with the procedure due to the discovery of XXXX XXXX XXXX XXXX XXXX, which I was not previously aware of. As a result, I I was only able to obtain an appointment for XX/XX/XXXX with the XXXX in 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 

Given the circumstances and the medical issue at hand, I communicated with the merchant/provider through email, expressing my preference for a refund since the delay was related to a serious health concern. The person I was corresponding with confirmed that this was acceptable and assured me that I would receive a refund within 1015 business days. She mentioned that my details would be forwarded to the refund department for processing. 

Despite this assurance, I did not receive any follow-up or refund. I continued to email the provider but received no response. As a result, I decided to dispute the charge with Care Credit. I submitted all relevant documentation, including my email correspondence and medical reports ( XXXX XXXX XXXX XXXX ), to demonstrate that I was not responsible for the issues that arose and that I did not receive any services. 

Furthermore, I never received a signed contract from the service provider, nor did I receive any services from them. I have disputed this charge four times now, but Synchrony Bank ( Care Credit ) has not honored my extended dispute rights for a service I never received.

This situation has caused significant stress in my life and has had a negative impact on my mental and physical health. The ongoing uncertainty and the financial burden of a service I never received are contributing to unnecessary anxiety, which in turn is affecting my overall well-being. As I try to focus on addressing my health concerns, the continued lack of resolution regarding this refund is only adding to my medical issues and making it harder to move forward. 

I am requesting that Care Credit properly address this situation and issue the refund as promised by the service provider, as I believe I have followed all necessary steps in this dispute process.

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 2025-02-06 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: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
In XXXX XXXX  my car payment to XXXX XXXX XXXX was scheduled and I believed it was paid. Fast forward to XXXX I receive a late payment notice. I called and rectified the situation ( bank error ) and was told they would remove the late fee. They never did. I called this last week and was told XXXX XXXX could not remove the late payment from my credit report, but to file a dispute and it would be removed however it was not removed. This was simply a banking error, and I have never had a late payment with them before or since I would like this removed as it was inaccurate and was due to a banking error, not a nonpayment.

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 2025-02-06 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: Nelnet, Inc.
State: PA

Complaint narrative:
I submitted proof the student loans were petitioned during bankruptcy and based in the amount discharged in my bankruptcy the student loans were part of the discharge in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I applied for the Hilton Honors American Express Card mid XX/XX/XXXX. It is the same card I had previously held for over a year, but cancelled in XX/XX/XXXX. My application was immediately rejected via email, stating that I held the card previously and was not eleigible. This is a no fee card. I reapplied for the reapplied for the Hilton Honors American Express SURPASS Card which was the next level up, and was immediately accepted. The annual fee is {$150.00}. I was supposed to get a XXXX point bonus after spending {$3000.00} over a 6 month period, which I did in a 2 month period. I called to check on the status of the points XX/XX/XXXX and was told I was not eligible, and also that I received an email to that effect, which is NOT TRUE. I opened a case # XXXX to which I followed up on XX/XX/XXXX and was told I was not eligible for the bonus points. I provided additional information and was advised to call back in a few days. I called back XX/XX/XXXX and was told still denied. Please listen to the recorded phone calls on the 2 dates indicated above. I believe if I was NOT eligible as they now claim, they should have immediately declined the card. I believe they are using deceptive advertising/marketing procedures. Please help as I NEVER would have accepted this card had I known the bonus would not be available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX a fraudulent transaction was made of {$600.00} from a company ( XXXX XXXX XXXX XXXX XXXX ) on my XXXX  debit card without my knowledge or consent. I had called my financial bank ( FIFTH THIRD BANK : XXXX XXXX XXXX ) to report this fraudulent transaction and to cancel the debit card. 

Two days later on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX had deposited {$36.00} onto the debit card that I had recently just cancelled on XX/XX/XXXX. I had then informed my financial bank to report that questionable transaction that was made by XXXX 

XX/XX/XXXX a new XXXX debit card was then issued to me WITHOUT that {$600.00} FRAUDULENT transaction that was made on XX/XX/XXXX. 
I had called XXXX to question my missing {$600.00} that was made by XXXX and was informed that an investigation will be initiated on the fraudulent transaction. 
XXXX  had sent me a form to fill out on the claims of me ( XXXX XXXX ) not approving or even acknowledging this fraudulent trans action. 

On XX/XX/XXXX I had received a letter from XXXX XXXX XXXXXXXX, informing me that their investigation was finalized and was determined that there was no error. 

" Record analysis indicates that no fraud has occurred as investigation results match information on file. NO CREDIT WILL BE ISSUED. 

The letter serves as final resolution of your claim. '' In conclusion, I will be disputing this finalized results on their behalf and wanted to report this claim to CFPB. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
Back in XXXX, my husband was in a car accident that unfortunately totaled my car. At the time, we did not have insurance, but we do have gap insurance. The gap insurance company has been extremely helpful in trying to file our claim. However, Ally Financial, the bank that holds my car loan, has not been helpful at all. I have spoken to over ten different agents requesting a " full payment history with the principal balance on the loan '' and have yet to receive it. They have sent me a payment history, but it never includes the principal balance on the loan. I am concerned that they might be withholding information. I have read terrible reviews about their practices and how they handle things, and I am starting to worry. I am simply trying to get them a check from my gap insurance company, but for some reason, they are refusing to provide the proper documentation I am requesting. This is affecting my credit and causing me significant stress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score with Transunion and XXXX XXXX also shows Transunion shows outdated scores. I have XXXX XXXX who I pay to monitor my credit and update old negative items and my score is XXXX for Transunion. But on the Transunion site and XXXX XXXX it shows my credit score not being up to date with still derogatory information that has been paid, settled, and no longer on my credit report. I need transunion and XXXX XXXX to update my credit score to XXXX on all models system they use for Transnion to calculstevmy score to match up. I am getting denied loans because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. CXXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) XXXX XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under XXXX 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 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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under XXXX 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 non-monetary relief
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
Im disputing XXXX XXXX from XXXX of {$550.00}. This is a fraudulent acct.

Company response to consumer: Closed with explanation