vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XXXX, XXXX  I applied for vehicle loans for two new automobiles after I traded in two older vehicles we'd financed through PNC Bank. I purchased the vehicles in Virginia but had them titled in Oklahoma where I am a resident. Loan terms are favorable ( 3.5 % ) because I am a Servicemember. While the loan request was pending, I received a call asking if I was still on XXXX XXXX. I responded that I was on XXXX XXXX in an indefinite status until I retire ( no earlier than XXXX ). Thereafter, I received notice that my loans were denied because PNC was not licensed to operate in Oklahoma. I do not believe this is the real reason for the loan denial because I have a current loan for a third car purchased in Virginia and titled in Oklahoma with PNC. Further, the two prior cars I financed were purchased in Virginia but titled in Oklahoma. I suspect, I am being denied a loan because of my status as an XXXX XXXX servicemember rather than where the vehicle is titled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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 non-monetary relief
Consumer complaint received 2025-01-23 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 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 ( 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 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for an American Express business platinum credit card on XX/XX/year>. Soon after, I got a denial letter that said : Based on your credit report, you have too many new bank card accounts. 
On XX/XX/year>, I called AMEX customer service. They told me they used my XXXX credit report for this decision. But they did not tell me how many new accounts they think is too many, or how long they look back. 
In the last six months, I only opened one new credit card.Since AMEX did not say if they consider six months, a year, or another period, I do not know how to solve this issue.

I tried to get more details, but AMEX stayed vague. Because they did not clearly explain their decision, I can not tell if my credit history really caused the denial or if they misunderstood my situation.And I try to request reconsideration were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, 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 2025-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 USC 1681s-2 : Failure to promptly correct and update inaccurate information.

15 USC 1681i ( 5 ) : Failure to properly investigate disputed information and provide resolution.

15 USC 1681c ( c ) : Reporting information beyond permissible time frames. 


I have made multiple attempts to resolve inaccuracies on my credit report directly with Equifax. I submitted disputes in writing. However, Equifax has failed to properly investigate my disputes or correct the inaccuracies. 

This behavior mirrors the issues outlined in the recent CFPB enforcement order titled " CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Report Errors. '' The CFPBs findings highlight systemic failures in XXXX dispute resolution process, which are consistent with my experience. 

The inaccuracies on my credit report are causing significant harm, including [ higher interest rates, denial of credit, etc. ]. I am requesting that the CFPB intervene and ensure Equifax complies with its legal obligations under the FCRA. 

inaccuracies on my credit report : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I would like a full investigation completed on the amount of interest my account should have gained, and to be reimbursed with a 10 % interest fee added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Attached are all the closed accounts that have been on my credit report for more than 10 years. Can we please have these removed. Its killing 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 explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act CFPA ), 12 U>S>> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File Bo. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB.

take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.|

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Experian about not being able to access all three bureaus report and the error message I was receiving " We can't show you today 's 3 bureau reports. This might mean XXXX has no record of your credit history. 

The representative stated that it was an internal data quality issue and that she will submit a form to fix the issue. 

I contacted XXXX and confirmed the information they had on file was correct and requested a copy of my report. 

On XX/XX/XXXX, I contacted Experian again to advised the issues has not been resolved and that I was able to also pulled all three reports from another source. 

I advised that Experian was the one, whom updated my file with outdated information, incorrect social, addresses and employer. On XX/XX/XXXX I emailed the memberships department as requested the error message and copy of XXXX information showing I had a credit file and my information correct. 

The rep stated the information was updated from a lender XXXX XXXX from XXXX which I never did business with. 

I asked to be reimbursed for they membership fees I have paid from XXXX to XXXX, since I haven't been able to receive the services I am paying for. For they lost time I was able to access all three reports was XX/XX/XXXX and that I have not been receiving monitoring and risk update. 

I was reimbursed for XXXX to XX/XX/XXXX, but was told I couldn't be reimbursed for XXXX XXXX, although I am not receiving the services. 

After speaking with a supervisor, I was advised many other were experiencing the same issue unable to access their reports. 

I explained that XXXX and XXXX has the correct information and Experian had updated my file with outdated and inaccurate information and this seem to be the issue. 

A of today XX/XX/XXXX, this issue still hasn't been resolved. I have contacted to Experian, XXXX and XXXX regarding the issue I am having multiple times too only be told by Experian the case was closed and reopen. This has been the issue since XX/XX/XXXX. 

This has caused so much stress and anxiety.

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 2025-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: MO

Complaint narrative:
XX/XX/XXXX : I requested OmniPoint send me information regarding the debt Dear OmniPoint Management Solutions LLC, I hope this message finds you well. I am writing regarding the debt account associated with XXXX XXXX. 

Could you please provide a written letter detailing the proof of the debt, including the original creditor, the amount owed, and any applicable documentation? Additionally, I would appreciate receiving information about any settlement options that might be available. My address is listed below. 

Please note that a lump-sum payment is not a viable option for me at this time. I am open to discussing alternative arrangements that may work for both parties.

Thank you for your attention to this matter. I look forward to your response and the requested information. 

XX/XX/XXXX collector sent this : We have not heard from you regarding our previous offer, and we still have an opportunity to help you. We have payment arrangements and settlement options available to you. 

We understand that you are not able to pay the balance as requested in the letter. As we do not own this debt, we will not be able to keep your account in our office for any extended length of time. 

We ask that you follow up with us regarding how you wish to proceed or to discuss payment arrangements on your account.. If you have any questions or need further information from us, please do not hesitate to contact us by replying here or calling us at XXXX. 

XX/XX/XXXX, I replied with the same email as XX/XX/XXXX where I requested proof. 

XX/XX/XXXX : OmniPoint CC 's me in an email that includes the information of ANOTHER consumer that is not me. This email includes the user 's name, email, amount of debt, account/reference number, original creditor, and the email communication from that user to OmniPoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
This complaint is regarding Experian. They failed to properly investigate my disputes regarding inaccuracies on my consumer credit report. Despite multiple submissions, XXXX responded within a 24 hour period stating the account was accurate and nothing will be updated, all without providing any evidence they actually did a thorough investigation of my dispute. This illegal practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which requires a reasonable investigation of disputes. Also, XXXX 's actions also violate the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( U.S. District Court for the Central District of California, DOCKET NUMBER XXXX, XX/XX/year> ) against them for similar violations. I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with the details and necessary proof that a thorough investigation was conducted. 

These are the accounts I marked as inaccurate : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account on autopay setup to pay balance in full before XXXX interest interest rate period ended. On the last auto payment with a perfect payment history and zero late payments i suspended autopay in XXXX and paid through the bank system balance in full. Payment was reconciled with the system on the date for the pay in full balance and paid. 

60 days later i received notice my account was being closed and i have a accrued interest charges, penalties and negative reports to my credit. I filed a complaint with synchronicity bank on or before XX/XX/XXXX and was told that they understand the system that i paid the balance in full through then charged me an inters payment after i had paid in full. This interest charge has not accrued to {$14.00} and my credit was reported delinquent and closed to the three agencies, My credit has now dropped from XXXX to XXXX 's and i am suffering financial consequences and hardships. the bank has not responded as of my last conversation with them on XX/XX/XXXX XXXX employee ID XXXX and stated that there was no ruling to share and i was charged interest after i paid my balance in full through there system and no resolution was given. Also they would not escalate my call to a manager, provide me with the banks government oversight agency, bank hq state and incorporation state. they only gave a po box and after aggressive requests provided the name XXXX XXXX as president with a XXXX XXXX XXXX XXXX  XXXX It is now 90 days delinquent with reports made to the credit agencies with 30 days of zero response and stonewalling via the complaint phone number. Also there is not posted email for complaint and or e communication besides an AI bot that gives the same phone number to file a complaint that they do not respond to per policy even after 30 days. I need help please. This charges need to be removed and zeroes, the credit agencies must be notified to remove this improper report and this bank needs a consequence for these issues. also an investigation into there interest rate charges per payment period history also needs to be investigated for fraud. 
They have not complied with any of the credit and or banking acts including providing required information and communication and transparency,

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I had autopay set up for monthly payments towards the balance, and id pay more when i could, i never cancelled my autopay and was never notified about it being shut off. So i was under the impression that it was being made every month. I had majority of my bills set up on autopay. I have called the company the card is through and lowes and the refuse to explain how or what happened, each time i spoke to the bank it's through they are nasty and not willing to help me. They say cards off can't help you. I've heard of many people having issues with Synchrony bank through XXXX and I've also research people having the same issue or there autopay randomly being turned off and never being notified. So then i get XXXX days late and had no idea. I had a ton of bills that come out on autopay, so it got missed on my transactions in my bank, i never saw that the bill wasn't coming out. I never received anything in the mail or anything at all. Its now hit my credit and I'm having to fight to have it removed because its really hurting me. This is not okay for them to do this and not notify me. 
Also i paid the card off in full and they shut my card off the minute it was paid and hit my credit also!

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