vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
There is a company that took out transactions without my authorization. I immediately notified Bank of America and they failed to stop the two transactions from posting even after I filed a claim and stop payments with this merchant. Bank of America took 3 weeeks to file a temporary credit as if it were my fault. They failed to get in contact with the merchant. They are not immediate in helping customers and their system fails to stop the unauthorized payments from going through creating emotional distress. They do not seem to care.

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 2025-01-29 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: Self Financial Inc.
State: IL

Complaint narrative:
15 USC 1681 Atlantic capital ban has violated legal compliance under 15usc 1681.

I am a victim of identity theft. And I have disputed the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am writing to formally express my frustration regarding the ongoing restriction on my Robinhood account and the repeated delays in resolving this issue. 

On XX/XX/year>, I deposited {$500.00} into my Robinhood account from my Fifth Third Bank checking account and immediately used the funds to purchase Bitcoin. Shortly after, my account was restricted without any action required on my part. I attempted to contact support but found no available means of communication. My dashboard initially stated that the status of my account would be decided by XX/XX/XXXX. However, on XX/XX/XXXX, the review date was postponed to XX/XX/XXXX, then to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email requesting specific documents for account verification. I provided the required documents, and Robinhood acknowledged receipt, stating that a decision regarding my restriction would be made by XX/XX/XXXX. However, today, XX/XX/XXXX, I received another notification stating that the review has been delayed again until XX/XX/XXXX. 

I am extremely disappointed with this repeated postponement and the lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
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 2025-01-29 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ready Capital Corporation
State: LA

Complaint narrative:
I notified XXXX  of an insurance error that resulted in high mortgage payments. XXXX assured me that they had taken care of the problem. And told me my payments was XXXX XXXX toldme my mortage payment was XXXX i paid it one time. I called them again saying i could not afford to pay this amount due to financial hardship and they assured me my mortgage paymentswas XXXX. Shortly afterwards i received notification XXXX was selling the loan to XXXX. When the loan was transferred to XXXX  I continue to pay my regular mortgage payments. I spoken with XXXX  about the situation aswell and they confirmed my payment was correct. A few months later I was being billed for XXXX again I reached out to them and they had me speak to representative to representative. Same thing happened with XXXX. when I finally spoken with someone they told me you are in bankruptcy and I can't discuss your loan with you. They continued to bill me at XXXX  monthly. Now I have received notification that they are selling to XXXXXXXX XXXX XXXX I am overwhelmed at this point I have had to seek help from so much stress these companies have caused me and my family. I truly believe we was set up for failure from the beginning from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
They repoed my car XX/XX/XXXX after I called and asked to be placed on a payment plan because I was sick going thru XXXX they said okay but still took my car asked me to pay a huge lump some of money I couldnt afford at the time and towing fees and a fee to get my items out the car than XXXX weeks later I received a letter saying they sold the car at auction and Im on the hook for XXXX dollars for XXXX XXXX XXXX with XXXX miles which is a rip off this as effectively messed my life up my mental health and my lively hood they just getting over on working class thats In need .. they call me XXXX times a day leave messages emails letters call from all type of number all times of the day Im going through enough

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 2025-01-29 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: MD

Complaint narrative:
I want to reported accounts to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I never received any funds or credit card from the lender.

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 2025-01-29 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:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
As of XX/XX/XXXX, I have been actively attempting to access the funds in a XXXX account established for me by my late grandmother. On XX/XX/XXXX, I communicated that I would be filing a formal complaint within 30 days if my account was not properly settled, as I have experienced issues with mismanagement and received inconsistent information for the past XXXX months. Throughout this period, I have diligently emailed and called to submit all requested documentation. 

In response to my concerns, the organization sent a priority next-day air package and arranged for an expert to assist me with completing the required documents, which I subsequently returned in the provided envelope. However, on XX/XX/XXXX, I received a letter indicating that my account could not be approved due to insufficient 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 2025-01-29 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I was notified of multiple fraudulent charges to my USAA debit card. Once notified of unauthorized transactions, I contacted USAA fraud department, requested to cancel debit card and recent transactions were not authorized. Initially funds were refunded. Unfortunately, XX/XX/XXXX I received documents stating : After a thorough investigation, we have determined that the listed transactions are not fraudulent. There was a total of XXXX fraudulent transactions totaling {$350.00}. USAA only refunded {$50.00}. On XX/XX/XXXX I requested review of investigation of transactions determined not fraudulent. Although there were multiple fraudulent transactions in the same store ( XXXX, XXXX XXXX  ) USAA determined that the transactions are not fraudulent. 

Based on transaction details provided in USAA processed in XXXX Mi : Merchant Name : XXXX # XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$100.00} Based on transaction details provided in USAA processed in XXXX Mi : Merchant Name : XXXX, XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$200.00} I am a resident of XXXX, Mi. The distance in the XXXX cities are approximately XXXX miles. I have no reason to frequent the areas above. Also, as I am full time employee in XXXX XXXX and working the entire day ( XXXX. ) I have provided documentation to confirm I worked that day and was not in the vicinity of XXXX. As one can imagine this is a total devastating feeling to have my identity stolen and money taken from me. I truly hoped this matter had been resolved. When notified XX/XX/XXXX that XXXX of the XXXX chargers were determined not fraudulent, I felt violated again. 

Based on information provided, I am requesting please remove this charge and credit me for any interest or fees associated with this charge.

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 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i am XXXX XXXX holding saving account in Wells fargo bank account number XXXX XXXX XXXX in month XX/XX/year> bank sent me promotion if you open saving account with us keep {$25000.00} we give you {$520.00} promotion now they not provide me anything i went multiple time branch No answer in XX/XX/year> i went to branch brach officer said today saturday you have allready checking account with us open online when you come back XXXX will ad your this promotion coupon in account i keep in account {$30000.00} still didnt get anything in XX/XX/year> i inform to bank for make sure no fake promise they provide me complaint number and asure me you will recivred soon no need to worry still i am waisting my time too much on calls No satisfied answer wells fargo doing fake promotion & fake promostions complint Ref.. No. XX/XX/year>... XXXX Anyone can contact me direct 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 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
The Privacy Act of 1974 prohibits unauthorized disclosures of the records it protects. It provides protections to individuals in three primary ways. Under this act, my right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of my personal information was violated. Pursuant to this act, I never gave written instructions authorizing the creditor and/or debt collector to send my personal information to any credit bureau. The creditor and/or debt collector did not get my written and/or verbal consent to add anything to my consumer report, which is also in violation of the Fair Credit Reporting Act. Per 15 U.S.C 1681b ( a ) ( 2 ) the Permissible purposes of consumer reports states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other unless : In accordance with the written instructions of the consumer to whom it relates.

Furthermore, [ 15 U.S.C. 1681b ] 15 U.S. Code 1692c - Communication in connection with debt collection states, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Credit Collection services reached out to my employer in an attempts to collect a debt. I DID NOT AND DO NOT GIVE MY WRITTEN AND/OR VERBAL CONSENT TO DO SO. Credit Collection Services, XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 

I was never given a verification of the original debt, my privacy was breached after the debt collector reached out to my employer looking for me without my consent. XXXX, XXXX, and XXXX and the debt collector Credit Collections Services are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of Credit Collections Services reporting services to XXXX, XXXX, XXXX, and any other reporting agency effective immediately and indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
False late payments Improper use of credit file Unknown account dont recognize Credit bureaus misleading banking institution regarding my account usage or status. 

Files removed for credit due to data breach in informed info mis reporting or usage

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 2025-01-29 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 sent multiple dispute letters to Experian regarding multiple inaccuracies on my consumer report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 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 XXXXXXXX Under 15 U.S.C. 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met.

Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete.

Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Ci
vil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment and housing opportunities. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against Experian. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 

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