vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX reported my co-signed private loan without consent and also made payments abnormally high without any flexibility. Reported my data without consent.

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 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I filed an online complaint on XX/XX/year> and on XX/XX/year> concerning the Truth In Lending Act ( TILA ) for the following entities XXXX XXXX XXXX XXXX XXXX XXXX Infiniti, Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the " Federal Reserve Consumer Help '' ( FRCH ) at www.FederalReserveConsumerHelp.gov concerning organizations that are subject to oversight by federal agencies that enforce consumer protection laws and regulations. The nature of the complaint concerned overstated/understated APR/Finance Charges in violation of the TILA. 

I received an email response on XX/XX/year> from FRCH that combined my separate complaints. What was even more concerning was that the acknowledgement email came from " XXXX '', which is not a .gov email address and I did further research to find out that this is a group at the XXXX XXXX Federal Reserve Bank XXXX The email reply did not forward my complaint to the appropriate federal financial regulator : the Board of Governors of Federal Reserve System ( FRB ) ; Office of Comptroller Currency ( OCC ) ; or Federal Deposit Insurance Corporation ( FDIC ). 

Instead, I was referred to this alleged federal agency, the Consumer Financial Protection Bureau ( CFPB ) which is in error, because it does not exist according to 12 U.S.C. section 5491 ( a ), which established the Bureau of Consumer Financial Protection, not the Consumer Financial Protection Bureau. This discrepancy suggests a violation of federal law and my civil rights. 

Furthermore, the FRCH referred me to the Federal Trade Commission ( FTC ), despite their stated inability to resolve individual consumer complaints. I was also advised to contact my state attorney general, which is an unnecessary detour given that my complaint should have been forwarded to a federal financial regulator under existing legal obligations.

Please ensure that my complaint that I sent to the FRCH gets to the appropriate federal financial regulator instead of to a color of law entity ( CFPB ) that is in violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Subject : Complaint against TD Bank for Unjustified Account Closure and Discrimination Dear CFPB Representatives, I am writing to file a complaint against TD Bank for the unjustified closure of my banking and credit accounts, which I believe is a discriminatory action based on my country of origin. 

Approximately three years ago, I opened an account with TD Bank at a branch in Florida using my passport, as I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have all the corresponding documentation, including my Social Security Number ( SSN ), work authorization, and other documents necessary for my XXXX XXXX XXXX XXXX XXXX 

Situation with TD Bank : Two years ago, TD Bank closed my debit and checking accounts without giving me a clear reason. 
However, I maintained a credit card with them, which was working properly, and I fulfilled all my contractual obligations. 
Two months ago, I received a letter informing me that my credit account would be closed if I did not update my immigration status. 
I went to a branch in North Carolina with all my documentation, where they confirmed that everything was in order and there was no problem with my account. 
15 days later, I received another letter from TD Bank notifying me of the closure of my credit account for " personal reasons '' without a clear explanation. 
Upon returning to the same branch, they told me that the letters I received were a scam or fraud, that I should ignore the notice and that my account was in order. 
They issued me a new credit card, but when I tried to activate it, I discovered that my account had been unilaterally closed without prior notice or valid explanation. 
Impact and Concerns : The closure of my credit account negatively affects my credit score, which I have worked hard to build. 
TD Bank never provided a valid justification, even though I verified at the branch that everything was in order. 
Other banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reviewed my documentation without any problems, which leads me to believe that TD Bank 's decision was motivated by discrimination due to my country of origin. 
Request : I request that the CFPB investigate TD Bank for discriminatory practices and unjustified account closures, demanding that : A detailed and justified explanation be provided regarding the closure of my credit account. 
The possibility of reinstating my account be reviewed to avoid damage to my credit history. 
TD Bank be sanctioned if it is found that they acted in a discriminatory or unjustified manner. 
I appreciate your attention and look forward to your prompt intervention in this case. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Complaint Against USAA for Unfair Dispute Resolution Urgent Review Requested Dear Consumer Financial Protection Bureau, I am filing a formal complaint against USAA regarding their decision to deny my dispute against XXXXXXXX XXXXXXXX, a website development company that scammed me out of {$3500.00}. 
I told USAA my situation with XXXX  XXXX assuring me they would develop a fully functional website and support me throughout the process until completion. Instead, after receiving my payment, they repeatedly attempted to upsell me on additional services. When I declined and asked them to focus on delivering what I had already paid for, they continued to pressure me to purchase more services. Despite their initial guarantee that the website would be completed, they failed to provide any services beyond a few incomplete concept designs. 
Since then, Texas Brains has blocked my phone number, making it impossible to contact them. I provided USAA with evidence of blocked calls, and phone numbers matching the companys contact information, yet they still ruled against me. As a result, my checking account balance is now negative ( - {$3600.00} ), causing severe financial hardship. 
I am a XXXX XXXX XXXX, a XXXX XXXX XXXX, and I live with multiple service-related XXXX. I rely on a fixed income to support myself and my family, and I can not recover this amount on my own. After 17 years of banking with USAA, I expected them to stand by their commitment to protect and support veterans, yet they have failed to do so in this case. 
I urge the CFPB to intervene and hold USAA accountable for failing to uphold their consumer protection responsibilities. I request a reconsideration of my dispute, and a full refund of the amount Texas Brains fraudulently took from me. 
Please let me know if any additional documentation is needed to support my case. 

Sincerely, XXXX XXXX Email : XXXX Phone # : ( 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 2025-02-23 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: VA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) rules and regulations, I request that XXXX promptly investigate and remove any inaccurate accounts from my credit report.

Equifax has failed to properly investigate the following accounts on my credit report which violates the CFPB : Account Name : XXXX XXXX Account BALANCE : $ {$810.00} Account # XXXX 2.Account Name : XXXX XXXX XXXX XXXX Account BALANCE : {$520.00} Account # XXXX 3.Account Name : XXXX XXXX XXXX Account BALANCE : {$890.00} Account # XXXX 4.Account Name : XXXX Account BALANCE : {$1300.00} Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
Please see attachments for dispute letter, proof of identity, and proof of accounts being deleted from XXXX. Both XXXX and XXXX have deleted the following accounts : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), when a collection account is removed or updated by one of the consumer reporting agencies, it is required to be removed or corrected across all three major credit reporting agencies. This includes Equifax. Your companys internal policies do not supersede federal law, and consumer protections granted under the FCRA take precedence.

Consumers are entitled to a fair and accurate credit report that reflects consistent and updated information across all three credit bureaus. It is unlawful for Equifax to continue reporting outdated or inaccurate information simply because your agency has not yet updated its records. It is not only misleading but also a violation of my rights as a consumer.

Therefore, I demand that you promptly delete the following accounts immediately as my rights to an accurate and fair report have been violated by your company 's failure to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I have identified inquiries on my report that have been furnished without my consent, written instructions, or permissible purpose which is considered identity theft. Please see attachment for ID Theft report and copy of driver license and utility bill for proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I have identified inquiries on my report that have been furnished without my consent, written instructions, or permissible purpose which is considered identity theft. Please see attachment for ID Theft report and copy of driver license and utility bill for proof of identity.

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 2025-02-23 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: AL

Complaint narrative:
EQUIFAX response to my previous complaint will show they are in full acknowledgement of violating the FCRA. EQUIFAX failed to do an investigation into the information provided by the information providers. The information that EQUIFAX claimed to be verified and accurate for the accounts mentioned are absolutely inaccurate. This proves that EQUIFAX with full acknowledgement and deliberation violated the FCRA without any remorse. The inaccurate information EQUIFAX continues to report is plain and simple negligence. This negligence has caused myself a significant financial loss and hardship. THIS SHOULD NOT GO UNPUNISHED. I expect EQUIFAX to be punished for their negligence and complete disregard to the laws of the FCRA. I expect EQUIFAX to be forced to pay punitive damages for the financial loss I have suffered as a result of their continued violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: TN

Complaint narrative:
I am filing this complaint against Oxygen XL for their unfair and deceptive debt collection practices. They are attempting to collect a debt of {$2700.00} that they claim I owe to XXXX XXXX XXXX. However, I have never done business with XXXX XXXX XXXX and have no knowledge of this alleged debt. 

In an effort to verify this debt, I have sent multiple certified letters to Oxygen XL, requesting : Documentation proving they are authorized to collect this debt on behalf of XXXX XXXX XXXX. 
A signed agreement that allegedly obligates me to pay this debt. 
A complete payment history validating the accuracy of the amount they claim I owe. 

Despite receiving my letters ( as evidenced by the attached XXXX tracking numbers confirming delivery ), Oxygen XL has failed to provide any of the requested documentation. Instead, they continue their harassing collection efforts in what appears to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

It is clear that Oxygen XL purchased this debt for pennies on the dollar and is now attempting to collect without proper verification, which is deceptive and unlawful. Their refusal to validate the debt while continuing collection attempts constitutes harassment and an unfair practice. 

I request that the CFPB investigate Oxygen XLs actions and hold them accountable for violating consumer protection laws. I also ask that they cease all collection attempts and remove any related reporting from my credit file if applicable. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following Account : 1. SYCRONY CARE CREDIT-Account # XXXX {$5600.00}

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 2025-02-23 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian, And Equifax LLC block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CXXXX 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 XXXXXX/XX/XXXX under the account number ( XXXX ), an auto loan account opened aXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX, XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of ( {$2600.00}, {$4100.00}, {$780.00} ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-23 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian, And Equifax LLC block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CXXXX 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 XXXXXX/XX/XXXX under the account number ( XXXX ), an auto loan account opened aXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX, XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of ( {$2600.00}, {$4100.00}, {$780.00} ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation