vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Formal Notice of Dispute Concerning Inaccurate Information in My Credit Report Dear CFBP I am writing to formally dispute inaccurate and potentially damaging information currently reported on my credit file. This erroneous data is negatively affecting my financial standing, and I am requesting an immediate and thorough reinvestigation,

as mandated under the Fair Credit Reporting Act ( FCRA ). I am fully aware of my rights under the FCRA, specifically : - 15 USC 1681i ( a ) ( 1 ), which mandates that credit reporting agencies complete an investigation within 30 days of receiving a dispute ; - 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which governs the investigation procedures and ensures the consumer is informed of the results ; - 15 USC 1681i ( a ) ( 5 ) ( B ), which outlines the proper procedures for reinserting information that has previously been deleted. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for systemic failures in handling consumer disputes. These include, but are not limited to : - Conducting superficial or incom
plete investigations, - Reinstating previously disputed data without legitimate verification or notice, - Failing to provide consumers with clear, timely updates regarding dispute outcomes.

These practices are not only unacceptablethey are unlawful. Given the precedent set by the CFPBs enforcement actions, I have serious concerns that my current dispute may not be handled with the rigor required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is insanity. It seems as if a law suit is the only way to stop this predatory fee charging. Insane. I want it to stop.account paid over balance and paid early from day one. Theyve manipulated a fee schedule by sliding in paper statement fees into the billing after several months and now they are using the one time late {$2.00} fee as the reason to charge XXXX a month every month .. and at least two payments have been made over minimums due. This is absolutely the most disgusting abuse of lending practices Ive ever seen. A loan shark would be easier. Need it fixed. Dont need any XXXX  response referring to the terms that have clearly been followed. Not to mention the waiver of the fees early on, and then unsolicited reinstatement manually right after the credit was applied.

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 2025-05-17 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: OH

Complaint narrative:
I have credit inquiries on my credit report that do not belong to me that's affecting my ability to obtain new credit. Please remove these inquiries immediately.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: OK

Complaint narrative:
I reached out to Cash app previously in regards to a financial charge on my account looking for assistance and I was unable to gain access or contact to proper support channels to get the issue rectified I had to wait for a response email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX, and was enrolled in a " Warranty Forever '' program through XXXX as part of the vehicle sale. I was told the warranty would cover my powertrain for as long as I owned the vehicle, provided I kept up with routine maintenance. 

In XX/XX/XXXX, I submitted a claim to have my oil pan replaced due to a verified leak. Despite having maintenance records from licensed repair shops and remaining compliant with oil change intervals, the claim was denied. The reason given was that I failed to call the warranty administrator before each service visit outside the selling dealershipa requirement I was never informed of, either verbally or clearly during the sale process. 

I have requested proof of disclosure and was sent a generic acknowledgment form with a signature that was never clearly explained to me at signing. I have escalated the issue multiple times and contacted both the warranty provider and the dealership. As a result of the denial, I remain unable to repair my vehicle, which has caused significant hardship as I rely on it for daily transportation and I am XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX. 

I am filing this complaint because the warranty product was sold to me under misleading conditions and I have not received the benefit promised. I am requesting either reimbursement for the repair, authorization to proceed under the warranty, or another fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I woke up with notification that my Cash App account was close for violation of their TOS. Knowing that I have only ever used the application to transfer money between friends and family ( within their TOS ) I reached out to them hoping to resolve the issue. The support rep I called submitted an appeal on my behalf an informed me that I would be waiting up to 30 days for a response. A couple days later, I receive an email stating nothing other that my account was closed. I responded ensuring that I have not violated any TOS and requested a reason for my account closure. They have only just responded back stating " While we understand your frustration with your Cash App account, there is nothing else we can do for you at this time ''. I have not violated any TOS, and now have had my account falsely closed which includes the cash app transfer service and bank account. Meaning both have been falsely closed without a valid reason as far as I am concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am disputing Affirms inaccurate reporting of a late payment for Loan ID : XXXX. 
According to Affirms Truth in Lending Disclosure, my first payment was due XX/XX/year>, and recurring monthly every XXXX. One payment was reported as 30+ days late, based on a XX/XX/XXXX date. However, that payment wasnt actually late it was paid on XX/XX/year>, before the contractual XXXX delinquency threshold of XX/XX/XXXX. 

Affirms reporting caused a XXXX drop in my credit score and has negatively affected my ability to access credit. Ive contacted Affirm and submitted formal disputes with XXXX, XXXX, and XXXX. Despite providing payment proof, Affirm refuses to correct the error, claiming it was accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I reached out with an issue with attempting a transaction and I was unable to reach a live customer service representative and had to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will be taking legal action for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: WA

Complaint narrative:
Simple issue with a simple fix. Key bank has a history of not notifying me when a bank has been overdrawn, at least at the CORRECT time. I will get notifications days after I have accidentally overdrawn but fees have been avoided in the past due to me regularly checking my account. I have had a few charges within the past week of which i was NEVER NOTIFIED. 2 fees were enacted on XX/XX/XXXX and 3 more on XX/XX/XXXX where I was given no actual time to rectify my balances. As for the 3 most recent fees, I was sure that I had submitted my transfer and that my balances would be secure but a third party issue must have gotten in the way because this transfer never went through and I was subsequently never notified that I was overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was a victim of fraud, someone opened a acct XX/XX/XXXX, and it was connected to my acct. Was not notified until XX/XX/XXXX. I notified Macys of fraud XX/XX/XXXX. They did reverse the charges on the fraud accout ( I didn't know it was not my acct, when I opened XXXX the fraudulent account was primary acct ). After the acct was zeroed ( XXXX ) out I purchased a pair of slippers ( XXXX ) and paid immediately. On XXXX I rec 'd notice Macys, stating that I am responsible for the charges made on fraudulent acct. However, in XXXX of XXXX they added the fraudulent charges to my account. I ended up being sued by Citibank for XXXX and now have a lien on my property. The judge stated that had it been filed in Small Claims and knew the opening of my acct. I would have won. I don't get that. Macys had my orginal account was opened in XXXX and that it was close to the opening of fraudulent acct. Crazy. I did contact Macys asked for history of my acct and it was opened XXXX. I could find it but not them. This issue has been going on for XXXX years. I have plenty of documentation showing that the scammer changed my address twice, I have 5 letters from different businesses where they tried to open other accts. They knew it's not my debt, they are just ugly. Im a senior citizen living off of SS and suffer from XXXX. I represented myself due to lack of $ . The court wasn't interested in any of the documentation that I had. It was a bench trial. I was victimized by the courts. FYI I also had police 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
I usually refer my friends and family when checking accounts bonus appear in XXXX 2024 I referee 2 people XXXX and XXXX, both friends and I was promised a Bonus of {$100.00} for each totalling {$200.00} but I never revived My friends completed all required requirements and they just kept saying they would deposit it in 24hrs and never did, I know found out about this website and hope to make a report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I called about some disputes on my account and was unable to reach a live customer service representative and was sent a automated email that absolutely did not help me or my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Above Lending, Inc.
State: MI

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and incomplete derogatory credit information furnished by Above Lending , Inc. to XXXX. 

This account ( ending in XXXX XXXX XXXX XXXX XXXXXXXX ) is reported as a charge-off with no full payment history, original contract data, or supporting terms. It does not appear on XXXX  or XXXX, further calling into question its accuracy and validity. Above Lending has failed to respond to multiple formal disputes and verification requests. 

Legal Grounds for Complaint : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate or misleading. 
FCRA 1681s-2 ( b ) : Upon notice of a dispute from a consumer or CRA, a furnisher must : Conduct a reasonable investigation ; Correct or delete any information that can not be verified ; Report the results to all CRAs to which the information was furnished. 
FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to investigate disputes and remove unverifiable information within 30 days. 
FTC Advisory Opinion to XXXX. XXXX ( XXXX ) : Even if the information was accurate at one time, XXXX ( a ) ( XXXX ) requires a furnisher to update or correct the information if it has become misleading in light of subsequent events. 
Reporting a charge-off without showing any payment or contract detail is materially misleading. 
CFPB Bulletin XXXX : Reinforces the requirement for furnishers to : Stop furnishing data that can not be verified ; Investigate disputes fully and meaningfully ; Provide full documentation and remove incomplete data. 

Attached Documentation : Dispute letters sent to Above Lending and XXXX  Certified mail receipts proving delivery XXXX  XXXX credit report dated XX/XX/XXXX, showing this charge-off listed only on XXXX  No response or verification received from Above Lending, violating FCRA dispute provisions Timeline of Dispute : Date of Dispute Sent : [ XX/XX/XXXX ] Certified Mail Delivery Confirmation : [ XXXX XXXX ] Date of Last Credit Report Review : XX/XX/XXXX Furnisher Response : No response received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am submitting a dispute regarding my Synchrony Bank / XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account ( Date Opened : XX/XX/year> ) is currently reporting as Current, but previously reflected a 60-day past due status. I am concerned that although the account has been brought current, the past derogatory mark continues to negatively affect my credit and may have been inaccurately reported in the first place.

During the period this delinquency was allegedly reported, I was going through a serious, extended medical emergency and was hospitalized for several months due to pregnancy-related complications. As a result, I was incapacitated and unable to manage financial obligations, and I did not receive billing statements nor notification of a delinquency in a timely manner. Its also possible that my bank account was temporarily frozen due to unrelated fraudulent activity.

Under 12 CFR 1026.5 ( b ) ( 2 ) ( Regulation Z ), creditors must send accurate and timely billing statements each cycle unless exempted. Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to report complete and accurate information to credit reporting agencies. Continuing to reflect a serious delinquency under these circumstances may violate these protections, especially without considering the documented medical hardship.

I am therefore disputing the legitimacy and fairness of the prior 60-day late status and requesting a full investigation.

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 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA collection agency has a medical debt on my account. I owe no medical debt because I have health insurance. I have contacted XXXX XXXX and they have confirmed that I have no outstanding debt with him either. I dont know where this came from, but it is not mine nor should medical bills be reporting on your credit due to the law that was put in place on XX/XX/year>. This was mistaken for my debt and i want it off my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

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

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 2025-05-17 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: TX

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

Company response to consumer: Closed with explanation