vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were submitted by me directly, not a third party. I even called them to verify my identity, but they still refused to process my disputes. I ended up wasting money on mailing the disputes and sent personal information to verify my identity through mail, only for them to not thoroughly investigate the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I had a credit card with XXXX with a {$700.00} limit for emergencies. Paid any charges off each time I used it for almost a year. Went on vacation. Lost my card and didnt realize it for a few days bc I wasnt using it as I didnt use it regularly to begin with. Got home and realized the card was not on my purse. Immediately went into the XXXX app and requested to lock it but there was no option to do so. I then called and requested it lock and reported it lost to which the rep said they would and still did not. Charges kept getting made on it. Had to use the call again and requested it be locked and reported it lost or stolen again. They did absolutely nothing. The thief maxed it out. The card had a XXXX balance when I lost it bc I had paid it off and had only took it with me in case of an emergency while we were out of state. After 6 months of fighting with them about it, they put it into collections with XXXX XXXX XXXX. They keep trying to get me to pay the fraudulent charges that I didnt make. Wouldnt do anything to help me resolve the matter. Put it on my credit report as a default. I disputed it 3-4 times on my credit report and still it wasnt removed or investigated at all that I know of. I requested proof from them that the debt was valid. They never supplied me with proof. The account was charged off. I continued to dispute it repeatedly. XXXX sold the debt to another debt collector, Concora, in 2023 and now that collector is suing me. This has been going on for years now and they still have never once supplied me with any proof I owe this debt or that they ever investigated the fraudulent charges made to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a few unauthorized inquiries on my credit report. I called to report and the credit bureau refused to removed it. I then filled out an identity theft form with the ftc.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-02-01 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: MD

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
during the capital one lock out XX/XX/year>. I was affected and did not receive my deposit.on XX/XX/year>. scheduled payments were returned and i could have lost my car because I was XXXX payments behind. i could not get gas and did not have money to get food. 
i called and placed on hold for hours. when i got a representative finally, they said the didn't know anything and when i asked how i was going to get to work or eat. i was told to see if i can borrow money. i asked for a supervisor and they said supervisor would tell me the same thing. I kept insisting to speak to a supervisor and after going back and forth i was placed on hold and a supervisor came on finally. she told me a n email was sent and i told her i never received one. she told me she can read it but this was already the last night of the lock out. she suggested to have me call family and friends to XXXX money and i told her that isnt XXXX  deposit down to? she said try XXXX XXXX XXXX XXXX XXXX or try requesting XXXX, it may work. 
for 2 days and evenings I was not given any information and disregarded. i finally received my email the last night about an hr or so before the situation was resolved and i finally received my deposit. I could not log in either., it said we hit a snag. i found out on XXXX that they were having issues. they didn't know anything other than server went down. i asked if my information and data was breached, they said no but if they just told me they didn't know what happened then how do i know if my information was breached. min time i waited over XXXX hrs to speak to someone a few times. min wait was XXXX minutes. no phone call to inform me, i got nothing until rt before I got deposit late XXXX i believe the XXXX, totally disregarded and treated like i did not matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-02-01 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 am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I purchased a vehicle on XXXX with a total sales price of {$28000.00}. My APR interest was for XXXX XXXX. I have paid a total of {$18000.00} since then. My car note is {$670.00} a month. This month I tried to be placed in a new vehicle by trying to do a trade in. Thats when the car lot told me that i could not do a trade in because I would be upside down almost {$16000.00}. When I went to look at my contract it stated that I owe {$26000.00}. Continued to log on to my finance company 's website which it showed my starting balance was {$44000.00}. So now I'm wondering how I got almost {$16000.00} added to my finance charges and the APR is XXXX %. I contacted the car company, and they were confused as well, and they were able to notice the mistake as well on XX/XX/year>. I was then instructed to call the finance company because the car lot stated that the finance company runs the information through some system that figures my finance charges. When contacting the finance company on XX/XX/year> at XXXX P.M., the company began to blame it on the car lot, which I stated what the car lot told me. She stated that some car lots go back through after the finance is ran through the system and hike the prices their self. She then stated that the only thing she can do is open a ticket.

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 2025-02-01 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: NY

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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was using cash app to pay my rent and on XXXX occasions my was taking I requested a refund and I couldnt speak to anyone and as a result they closed my account owing me XXXX dollars and it was never resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I filed a dispute on XXXX, PORTFOLIO RECOVERY ASSOCIATES due to invalid date. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, any information. Im requesting this derogatory remark be removed immediately as its affecting my chances of getting a house, and car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Hello, I am writing to seek your urgent assistance regarding an item I bid on and won. Here are the details of the situation : I placed a bid on an item, and my bid was accepted. 

I requested a cancellation, but the seller denied it, stating that the item had already shipped. However, it was not shipped at the time of my request. 

I waited for the item, but it did not arrive by XX/XX/year>. I contacted XXXX, XXXX, and my Synchrony Bank on XX/XX/year> and report for not receiving the item. 

I also reached out to the seller, but it appears to be a scam as I have neither received the item nor a refund. 

I contacted the post office and opened a claim regarding the missing item. The post office replied that the tracking number has different address and the item was delivered to the address on the label. 

I provided all documents to my financial institution. I have contacted Synchrony Bank many times and provided all necessary documents. However, it seems they are mistreating their clients. They charged my account and stated in a letter that they are reviewing the case. Synchrony Bank is misleading and mistreating their clients. 

It has been XXXX months, and I am still awaiting a refund for the transaction. They can not protect their clients, which is bad customer service and lying to the client. 

It has been extremely difficult to contact XXXX customer service. I urgently need XXXX 's help to either receive my money back or the item. 

Thank you for your prompt attention to this matter. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 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: AR

Complaint narrative:
Between XXXX I received more over draft fees when i used the money it showed I had in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX ( XXXX ) XXXX XX/XX/year> experian XXXX XXXX XXXX, XXXX, TX XXXX outli subject : Formal Dispute Regarding Inaccurate Information On My Creddit Report Dear Experian I Am Writing To Formally Dispute Inaccurate information on my credit report that i believe is harming my financiale Credit Reporting Act and request a Thorough investigation into these inaccuracies, as required federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. these practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumers about investigation results effectively.Thesr allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I sent an email below : Credence Resource Management , LLC : Please note, none of the accounts below you specified belong to me. Both XXXX and XXXX do not reflect the account numbers associated with my name, social security, or address. 
You also mentioned below in your email the XXXX account was recalled on XX/XX/XXXX. Is this a typing error on your part? Or was this an attempt to collect in XXXX and recalled it once your company realized it was fraudulent? 
Your company has NOT followed the correct protocol on contacting, collecting, verifying the consumers information. Therefore, all credit agencies should be made aware of the underhanded business you are conducting. 
I am attaching all the documents and correspondence that has been sent to me to date from your company. Neither the statements nor the accounts are acknowledged correct or truthful. They are falsified documents from your company. It is impossible to have a statement from XXXX from XXXX when the account was closed in XXXX. 
The only action would be to remove this from my credit report. Otherwise, I will have no option but to work with XXXX, XXXX and XXXX along with XXXX audit your records. 

Account XXXX : XXXX # XXXX XXXX XXXX : XXXX XXXX Thank you for your inquiry. 
Your account was recalled from Credence Resource Management , LLC and returned to XXXX-XXXX  on XXXX. 
Please refer any questions you may have about this account to XXXX-XXXX. 

Account Number : XXXX # XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX  XXXX  through XXXX  XXXX. This situation falls under XXXX  as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I kindly ask you to block this information from my credit report within XXXX business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  CT XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX  CR XX/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 non-monetary relief