vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I mistakenly overpaid my USAA credit card twice in the amount of {$3800.00}. I contacted USAA multiple times from XX/XX/XXXX to XX/XX/XXXX, and each time, their representatives instructed me to wait while they conducted internal reviews. At no point was I informed of a 60-day refund policyI only learned about this policy today ( XX/XX/XXXX ). 

Now, after delaying the process beyond their stated timeframe, USAA is refusing to refund me, claiming I missed the deadline. However, this delay was entirely due to their own representatives instructions, which I followed in good faith. I acted responsibly, yet USAA is now using their own delay as an excuse to withhold my funds. 

Furthermore, when I initially requested a refund, a representative stated I could not be refunded because it would put my credit balance over the limit. I expressed that this should not be a barrier, as I simply wanted my money returned. Additionally, I had recently lowered my credit limit due to personal financial concerns. I was unaware that this change would later prevent me from receiving a refunda situation made worse by USAAs 6-month restriction on credit limit changes, which locked me into this issue.

USAA also refused to provide me with copies of my account notes and dispute records. I specifically requested these records on XX/XX/XXXX, but the representative told me they were unable to send them. This lack of transparency raises concerns about their handling of my case and their compliance with consumer protection regulations. 

USAAs handling of this matter has caused me financial harm, and their refusal to refund my money due to their own delays and systemic issues is both unfair and deceptive.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that SAGESTREAM is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

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 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 2025-02-07 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail report that I am a victim of XXXX XXXX After reviewing my credit report, due to these unforeseen circumstances, there is information that reporting that is a direct result of my time spent in captivity. I have attached all of the documentation attesting to my situation. I will also list all of the fraudulently reporting accounts below. 


XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXXXXXX XXXX XXXX ( Acct # : XXXX ) Date Reported : XX/XX/XXXX Inquiries Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXXXXXX XXXX Date of Inquiry : XX/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 2025-02-07 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our original loan amount with Capital One was for {$32000.00}. However, a portion of the loan amount was refunded after we canceled the maintenance package and warranty packages that we were highly pressured into buying. Approximately {$3000.00} was refunded. So the loan amount was approximately {$29000.00}. Our payment amount is XXXX each month. The interest rate on the loan was 12.25 %. By the time we are done paying this car we would have made {$47000.00} for this car. Why am I paying almost {$50000.00} for a XXXX XXXX XXXXXXXX XXXX with XXXX miles on it? This was a predatory loan. They asked us how much we could afford each month. XXXX XXXX in XXXX used high pressure tactics to get us to buy a car we didnt want or need ( we were using a XXXX car which literally was costing us less than {$650.00} a month and we didnt have to insure it! ) I would like to see some accountability for why Im paying almost XXXX for this car when the interest is supposed to be 12.25 %. The high pressure tactics and lack of truth in lending lead us to sign for a loan that we never wouldve signed on if we knew it would cost us almost XXXX! XXXX XXXX nor Capital ever showed us the truth in lending and how much we were actually paying!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am filing this complaint against Experian for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes.

Experians failure to properly address these disputes and correct the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, and Experian has repeatedly failed to comply with its legal obligations. This appears to be a systemic issue affecting many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for conducting sham investigations of consumer disputes ( source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX 

This lawsuit highlights Experians failure to conduct proper investigations and further supports my claim that Experian has not fulfilled its legal obligation to ensure the accuracy of credit reports as required by the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate and incomplete information and must be immediately and permanently removed from my credit report : -XXXX XXXXXXXX XXXX Remove the late payments XXXX XXXX XXXX XXXX XXXX the charge-off -XXXX XXXX XXXXXXXX Remove the XXXX payments XXXX XXXX XXXX XXXXXXXX Remove the late payments

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal XXXX e mail notification Case XXXX Transaction amount : {$2900.00}. Transaction ID XXXX Transaction date : XX/XX/year> PayPal indicated I received duplicate funds for the same Transaction and I was debited XXXX. 

I submitted a claim for funds that were transferred to a scammer. 
PayPal denied payment as sighted by their policy guidelines. 

I was instructed to file a dispute with my bank. 
This was submitted XXXX XXXX to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX PayPal attempted to collect {$2900.00} as documented above. 
They told me, on phone call that XXXX instructed Papal to collect this amount. 

XXXX XXXX XXXX XXXX said PayPal should not have attempted o collect this. 

Numerous communications finally resulted in a withdrawal of the transaction. 

XXXX and XXXX have resolved the issue, however PayPal has been dishonest and demonstrates scamming practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
Asked the creditor to verify accounts that were not truly mine no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc.
State: UT

Complaint narrative:
Avant doesnt have how long it takes for them to process your credit card payment once made advertised correctly on their website, customer portal, customer statements, or when you call their XXXX. 
By reading the payment policy on their statement and calling their XXXX number you would assume since it states that if you make your payment before XXXX XXXX, your payment will post in balance will be available the next business day. 
I made a payment on XX/XX/XXXX. I would not have made the payment for the amount I paid if anywhere on their customer portal, website or XXXX XXXX number said it would take 10 days to process the payment. 
This information is not disclosed anywhere, and it legally has to be disclosed at least on the credit card statement. 

I am working on building my credit back up, so I made a larger payment than the balance due but I needed to use those funds over the weekend and advantage is not releasing the funds until XX/XX/XXXX putting me in a financial bind but like I mentioned above, if this was clearly stated anywhere that the payment would take 10 days to process I wouldve just made the minimum payment due. 

This is a legal requirement of all financial companies accepting and receiving payments. I know this due to the industry that Im in and that I have to have clear verbiage on how long ACH payments will take to process for our customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
Based on the evidence, the Department found that XXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. This limited my availability to proper financial aid services at the school, which ultimately led to being forced into private student loans in order to finish the program. Since the closure of the school, I no longer have the ability to accredit my degree and confirm my graduation. Ultimately, I am required to pay for something that no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

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 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 2025-02-07 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: MI

Complaint narrative:
I would like Veros credit removed from all three credit reports because I do not owe money to Veros credit. This vehicle was sold.

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 2025-02-07 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: MI

Complaint narrative:
I would like XXXX credit removed from all three credit reports because I do not owe money to XXXX credit. This vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I would like XXXX credit removed from all three credit reports because I do not owe money to XXXX credit. This vehicle was sold.

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 2025-02-07 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: WI

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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: FL

Complaint narrative:
American First Finance Inc asked to pay an amount larger than what I owed. The amount I was being asked to pay was around {$600.00}. I was then told that there was a glitch in the system and that I only had to pay {$130.00} to close the account. I asked what my interest rate was on the outstanding balance I had on my account. I assumed it to be around 30 %, similar to a regular credit card. I then asked how much I have paid in total on this account. I was told that I have paid over 300 % total fees on this account in 16 months. The original amount financed as under {$2900.00} ( see attachment ). My total amount paid is over {$9200.00}. I want my money back. This is criminal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Burearu Equifax and Experian refuses to remove debt from my report more than 5 years. Receiving harassing calls from different collection agency for the same debt. Receving notification from that my ssn has been comprimised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XXXX called me stating that my accounts had been compromised and that I needed to transfer money over to new accounts. He was sending communication from the BOA txt account Once the transactions were made i noticed that the accounts they were transferred to were for XXXX XXXX XXXX. I have never had an account with them. At the end of the call XXXX stated that i should not answer or respond to any bank of America communication attempts. I then called BOA fraud department to file the claim and spoke to XXXX who informed me that the transactions were on hold and that they would not go through. before i could finish the claim we were disconnected so I went straight to the BOA branch at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and spoke to XXXX. She assisted me in making call and we were told by two different people in the fraud department that the money would go back into my account and they were on hold. on XX/XX/year> i checked my account and the transactions had gone to the receiving bank. Today XXXX I received an email that on XXXX of the claims the money had not been recovered and the case was closed. I contacted the fraud department and they have re opened the case and I have sent screen shots of the transactions being on hold. I have claim numbers for both trans actions.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was banking with Experian smart money they closed my account issued me a check sent the check to the wrong address. I updated the address with them on numerous occasions. The person who has my check has opened my mail without my permission because they sent the check to an old address when I was communicating with them with the new address theres no communication with this Bank They have no communication. Theres no number to call the customer service. dont know whats going on. Theyre confused. They dont know what to do. They keep talking about this internal team that you can never speak to they were been supposed to send me a new check. They even called me to verify the address.

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation