vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: ID

Complaint narrative:
I received a voicemail from the number XXXX. Caller did not identify himself, and said it was important I return his call, or visit the Discover App. When I XXXX  the number, it says it's a debt collection servicer for Discover. I have a Discover account, but mine is in good standing. There is no reason for this number to be calling my phone number, and I believe the debt they are trying to collect is someone else 's. 

Thank you.

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: FL

Complaint narrative:
These are the accounts I mark as inaccurate, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They are dropping my score and producing false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion llc consumer dispute center XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is to formally dispute the charge-off account listed on my credit report under account number XXXX [ Choose ONE of the following options and tailor it to your specific situation : ] * Option 1 : Dispute Accuracy * " I believe this charge-off is inaccurate. 15 usc 6802 e.g., " I believe the account was paid in full, '' " I dispute the amount owed, '' I request that you investigate this matter and update my credit report accordingly. '' * Option 2 : Dispute Validity * " I dispute the validity of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the debt is beyond the statute of limitations, '' " I believe the debt was discharged in bankruptcy. '' ] I request that you investigate this matter and update my credit report accordingly. '' * Option XXXX : Dispute Reporting * " I dispute the reporting of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the charge-off was reported before the account was officially charged off, '' " I believe the charge-off was reported to the wrong credit reporting agency. '' ] I request that you investigate this matter and update my credit report accordingly. '' I am enclosing copies of [ list any supporting documentation, e.g., payment receipts, proof of bankruptcy discharge, etc. ]. 
Please investigate this matter promptly and provide me with written verification of the results of your investigation within [ timeframe, e.g., 30 days ] as required by the Fair Credit Reporting Act ( FCRA ) .15 usc 6802 Thank you for your time and attention to this matter. 

Sincerely, 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 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing and evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to bring a serious issue to your attention regarding my credit report. It contains mixed information, and Ive identified multiple accounts, transactions, and items that are not mine. This is deeply troubling and has been causing me significant stress and 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: PA

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I refinanced my XXXX student loan through SOFI. I have only ever had one student loan with a balance of around {$40000.00} and that was the one I refinanced simply for a lower interest rate. I refinanced it around XX/XX/XXXX and by XX/XX/XXXX the existing loan with XXXX still had not been paid off by SOFI. I was only a little concerned at this point because I knew it can be a long process. Around that time my new loan with SOFI ( the one a now should have with the lower interest rate ) and it had a balance of {$44000.00}, but my existing loan through XXXX still had not been paid off. Then I saw on my XXXX loan payment history there was a payment of {$4400.00} towards it from SOFI. They sent the wrong amount of money to pay off my existing loan- they sent {$4400.00} when they should have sent over {$44000.00} ( the balance of the new loan with the lower rate ). As of XX/XX/XXXX I have had two loans and two monthly payments. This is fraud and I chatted with multiple agents from SOFI and all had told me my existing loan has already paid off, I have spoken with multiple agents on the phone and they lie to me. One agent transferred me to XXXX XXXX instead of someone else in your department. They all say they cant do anything and I just get transferred for hours. One lady told me there was a glitch in the system. That same lady told me there was an error with the payment and the funds were resent on XX/XX/XXXX via ACH to XXXX and the payment should be posted to your account by XX/XX/XXXX the latest. The payment never showed up on my account- the only payment is the monthly auto pay that I am still paying for and it should have been paid off by now. I am extremely upset as now by debt has doubled, I have been struggling with two monthly payments, and nobody at SOFI is able to help me.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX I request a settlement agreement for my closed account and was denied

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: AL

Complaint narrative:
I am filing a complain against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act,15U.S.C 1681 which mandates a reasonable investigation of disputes.Futhermore XXXX actions may also contravene the Consumer Financial protection Act 12 U.S.C 5536 ( a ) 1 ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-23 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I've marked as inaccurate : XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX  {$1200.00} XXXXXXXX XXXX XXXXXXXX {$730.00} XXXXXXXX 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I started financing my car XX/XX/year> my car finance amount was a little over XXXX I put XXXX down so it was XXXX something 2 years later I have paid XXXX of that amount and when checking my balance it says XXXX and when requesting a payoff quote it says XXXX due my car is barely worth XXXX as of today paying XXXX total for a used car that's not even worth XXXX that is robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had a XXXX account in XXXXXXXX XXXX XXXX I paid my account in full and did one extra payment just in case I was in between billing cycles. I had an overpayment of {$22.00} which sat in synchrony banking system, who is a part of XXXX for approximately XXXX months and a XXXX balance with XXXX after I paid my account off in XX/XX/year>. XXXX months I paid off my account with XXXX, synchrony cut me a check for the overpayment of {$22.00}. 
Two weeks ago I received an email from Resurgent a debt collector stating that I owed {$56.00} to XXXX. I called XXXX spoke with Customer Service, went through their billing department. Talk to a supervisor and was told that my balance did not reflect the same as my installments, and there was one more installment due. I dont see how that makes sense when your balance is broken down into installments, I have all the documents necessary to prove that this was paid in full, which I sent to QVCs billing department. XXXX have redirected me to XXXX saying that an installment ( {$56.00} ) was missed and I need to pay it. I do not owe them, and I am concerned that the company Resurgent has incorrect information from XXXX. Neither XXXX or XXXX are willing to accept my documentations of the check stub from the check that was paid in full from a title company on my behalf, copies of my account with XXXX dated after XX/XX/year> with a XXXX balance and a copy of my overpayment with synchrony in the amount of the {$22.00} as proof that there records are not correct. I also have a XXXX balance with synchrony on my XXXX account. I would appreciate any help you can give on this matter. Best regards, 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am reaching out to address an issue with my credit report. The personal information on my file is incorrect, and this inaccuracy is creating significant challenges with my credit applications, which has been 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am reaching out to address an issue with my credit report. The personal information on my file is incorrect, and this inaccuracy is creating significant challenges with my credit applications, which has been incredibly frustrating.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 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
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: 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 response to consumer: Closed with non-monetary relief