vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: RI

Complaint narrative:
Good evening, My name is XXXX XXXX and I am writing in hopes that companies such as AVANT Credit Card company does not continue to take advantage of their customers. I am a XXXXXXXX XXXX Banker so I am pretty familiar with all processes related to financing as well as having a XXXX in XXXX XXXX  This company might as well advertise themselves as a XXXX XXXX company due to the XXXX  % APY they are charging me. On XX/XX/XXXX, I made a payment of {$1000.00} which left me with a balance of {$28.00}. I then used my card again as I traveled overseas and used my card for a hotel purchase. I then contacted them to find out how my balance went from {$340.00} to {$470.00} when I made a payment on XX/XX/XXXX of XXXX and my transactions don't add up to {$470.00} on my statement. They then tell me they sent me an email on XX/XX/XXXX indicating they did not charge my account properly and added additional charges where now my balance is {$810.00}. They are adding charges to my account and indicating they made a mistake. After reviewing all of my statements, they most certaining made a mistake by adding additional charges to my account at the end of the year with fictitious charges that have no merit. I want all of these charges removed to my account as I should not have a {$810.00} fee. I will also report this company to the RI Attorney General 's Office and the XXXX XXXX XXXX as this is outrageous. They can't go around making about charges at the end of the year so they can come up on top on their books and cheat their customers out of money. I am struggling as it is working XXXX days XXXX jobs to make end meet only to be taken advantage of these type of credit cards companies. They are simply horrible!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I contacted who I thought was XXXX XXXX XXXX for a meeting, she gave me her managers email,. The manager asked for XXXX for a meeting card and the I sent it to her manager throughout cas app. XXXX never showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of 2024 I reached out to a company explaining that there are some items on my credit report that wasn't approved by myself. They didn't assist me properly with resolving the issue

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2025 I applied for a Wells Fargo active cash credit card and was declined for the following reasons : 1 ) Ratio of credit bureau trades with a balance greater than XXXX. ( We look at the ratio of open and closed credit accounts that have a balance greater than XXXX in the last 6 months ). 2 ) Number of revolving bank cards reported by credit bureau. ( We look a the number of bank credit cards in your credit report. ) XXXX reported to Wells Fargo that I had NO CLOSED credit accounts with a balance greater than XXXX in last 6 months ; so there is no ratio of open to closed credit accounts with a balance greater than XXXX. Reason # 1 does not apply. 

XXXX credit report listed XXXX bank XXXX XXXX : XXXX were closed with {$0.00} balance, XXXX are active and good standing ; XXXX with {$0.00} balance and XXXX with {$74.00} and XXXX with {$77.00}. Reason # XXXX shows no reason for denial. 

My credit rating at XXXX dropped from XXXX to XXXX on account of Wells Fargo Denial.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Violation of XXXX XXXX XXXX XXXX ( XXXX ), XXXX of XXXX or XXXX XXXX. 
I am writing to inform you that I recently obtained a copy of my consumer report from Equifax and discovered that the following account has been reinserted into my credit file : Creditor : XXXX XXXX Account Number : PRIVATE Reason : This account was reported without my written consent and is the result of alleged identity theft. It must be deleted within four ( 4 ) business days of receiving this notice, as mandated by XXXX XXXX. XXXX. This account is unrelated to any transactions authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX. XXXX, and more precisely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies are required to maintain reasonable procedures to prevent the reappearance of deleted information. I expect Equifax to provide proof that such procedures were in place, or this account must be deleted immediately. The ongoing reporting of this inaccurate information is defaming my character and depriving me of my rights as a consumer, causing unnecessary mental distress when applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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.
State: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediatelXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Have consistently asked for debt validation XXXX responds validated but does not send information what was validated and how. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been over 7 years deleted on credit file and re inserted with new dates. This has been done to all XXXX credit companies

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 2025-01-22 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, Transunion and XXXX have not attempted to remove, nor correct any information. XXXX, Transunion and XXXX also failed to remove improper addresses/spelling of name

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred despite having significant funds when transactions was authorized I was charged fees due to lagged posting of charges and credits this issue aligns with the CFPB findings against Navy Federal credit Union for similar practices where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citibank XX/XX/XXXX when i noticed that there was a deduction from my checking that i didnt do. Called them again XX/XX/XXXX when they denied for the reason that it was made with citi issued debit card. I told citibank fraud rep-that they were able to used my XXXX XXXX where my debit card was attached. 
XX/XX/XXXX {$470.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$490.00} XXXX XXXX called XXXX XXXX to help me with the fraud transaction and denied me today. 
The scammer also charged my XXXX XXXX  for almost {$2000.00} but i was able to closed my claimed in my favor. Scammer also took {$490.00} from XXXX XXXX XXXX XXXX XXXX  and i was given a refund .i am just a XXXX  and every XXXX counts please i need help. Thank you in advanced for your attention

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 2025-01-22 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: SC

Complaint narrative:
I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}.

2. US Department of Education {$2800.00} 3. US Department of Education {$2500.00}. 
XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX. XXXX XXXX  XXXX {$15000.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX  {$980.00}. 
XXXX. XXXX XXXX XXXX {$740.00}. 
XXXX. XXXX XXXX  {$1500.00}. 
XXXX. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation. 

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.

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 2025-01-22 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: SC

Complaint narrative:
I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}. 
2. US Department of Education {$2800.00} XXXX. US Department of Education {$2500.00}. 
XXXX. XXXX XXXX XXXX XXXX {$6700.00} XXXX. XXXX XXXX  XXXX {$15000.00}. 
XXXX XXXX XXXX XXXX XXXX  {$980.00}. 
XXXX. XXXX XXXX XXXX {$740.00}. 
XXXX. XXXX XXXX  {$1500.00}. 
XXXX. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation. 

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account 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 2025-01-22 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Pollack & Rosen, P.A.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Pollack & Rosen P.A. regarding their handling of my debt dispute. 

On XX/XX/year>, I received a email from Pollack & Rosen P.A. indicating that I owed a debt. On the same day, I sent a dispute and cease and desist letter, requesting that all communication be halted unless it pertained to the verification of the debt, which I requested via mail. 

Despite my clear instructions, I received another email on XX/XX/year>. In this correspondence, they acknowledged my concerns but encouraged me to log into my XXXX account to review my statements and transaction history. This response completely disregarded my request for verification and my cease and desist notice. 

Subsequently, on XX/XX/year>, I sent a second cease and desist letter, reiterating my request for them to cease communication unless providing the requested verification via mail. 

Yet again, on XX/XX/year>, Pollack & Rosen P.A. sent another email stating that they would respect my cease and desist letter unless they decided to pursue legal action. This communication still did not acknowledge my request for verification. 

The continued disregard for my cease and desist requests and lack of acknowledgment of my verification request is both concerning and unacceptable. I urge the CFPB to investigate this matter to ensure that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Im alarmed by the amount of incorrect information Ive found in how some accounts are reported on my credit file. These inaccuracies are having a serious impact on my credit score, and its incredibly frustrating.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$50.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3200.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
My information was exposed in a data breach and unknown inquiries on my credit report

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