vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
Date of Transaction : XX/XX/year> Type : purchase of coffee and cake at hotel in XXXX XXXX for {$15.00} Issue : I was charged a XXXX cash advance fee for this purchase even thought it was clearly not a cash advance. I requested a waiver of the fee or a credit of the XXXX. I was told the merchant rang it up as lottery ticket or casino chips and the system would not allow that to be waived. Spoke with XXXX, she also said the system would not allow her issue a waiver or credit. Obviously the charge was done incorrectly but was told there was no way to issue a credit back for me, because the system would not allow this. 
We all know a credit can be issued, they just dont want to be bothered. 
I simply want a credit of the XXXX dollars. 
Company : Synchrony Bank. Phone # XXXX These companies make XXXX  on consumers per year, they should not be allowed to take advantage of us for any reason like the system wont let me. What kind of nonsensical reason is that? Thank you so much

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 2025-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report and 1 inquiry from Equifax Credit Report. Fraudulent inquiries from Transunion : XXXX XXXX XXXX and XXXX XXXX XXXX Fraudulent inquiry from Equifax : XXXX. XXXX, XXXX XX/XX/2024. Listed inquiries do not belong to me and must be removed from my Transunion and Equifax Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion and Equifax mark these inquiries as fraudulent and remove from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 from ( 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 2025-02-17 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I, XXXX XXXX XXXX XXXX consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party , to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : 1.NAVY FCU To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent credit inquiry that has appeared on my credit report. Upon reviewing my report, I noticed an inquiry listed that I did not authorize, request, or initiate in any way. This inquiry is fraudulent, and I am requesting that it be removed from my credit history 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 2025-02-17 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: NJ

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2025-02-17 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: TN

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
PAYMENTS HAVE BEEN MADE ON TIME ON THIS ACCOUNT. THIS ACCOUNT SHOULD NOT BE SHOWING AS CLOSED OR Delinquent.

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 2025-02-17 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX XXXX since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnisher 's response, despite having evidence of that furnisher 's unreliability

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 2025-02-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's 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 the account is accurate, without providing any evidence of an investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian 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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I had XXXX credit cards that I needed help paying off, and Capital One enrolled me into XXXX different payment plans. One was a suppression one where they, apparently, only suppress the late fees, and the other is a hardship one. I called on XX/XX/XXXX, after paying some of my debt off, and something looked strange. When I called, the representative told me that they can only read it to me and not send it to me. They also told me that in order for me to know what happens if I decide to close my account, I have to start the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding a violation of my rights under the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe that the actions of [ Insert Creditor 's or Debt Collectors Name ] violate 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ).

Violation of 15 U.S. Code 1635 : Right of Rescission I exercised my right to rescind the contract under 15 U.S. Code 1635, which provides the consumer the right to rescind certain transactions, including home equity loans or lines of credit, within three business days of the transaction. I have made timely attempts to cancel the transaction, but [ Creditors or Debt Collectors Name ] has failed to acknowledge or process my rescission request in accordance with the law. [ Explain the situation briefly and any specific violations you believe occurred, such as the refusal to accept the rescission or failure to provide the necessary disclosures. ] Violation of 15 U.S. Code 1692g : Validation of Debt Additionally, under 15 U.S. Code 1692g, debt collectors are required to provide a validation notice within five days of their initial communication with the consumer. This notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that the consumer has the right to dispute the debt within 30 days. However, [ Creditors or Debt Collectors Name ] has failed to provide me with the necessary validation information after [ mention the date you first received communication or other relevant details ].

Despite my request for verification of the debt, [ Creditors or Debt Collectors Name ] has not provided any proper documentation and continues to pursue collection efforts without adhering to the proper validation process.

Requested Resolution I respectfully request that the CFPB investigate these matters for violations of 15 U.S. Code 1635 and 15 U.S. Code 1692g, and assist in resolving this issue by : Ensuring the right of rescission under 15 U.S. Code 1635 is honored, with the proper cancellation of the contract and return of funds if applicable.

Enforcing the validation of debt requirements under 15 U.S. Code 1692g, including providing the proper documentation within the stipulated time frame. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures XXXX XXXX Opened XX/XX/XXXX Balance {$26.00} grow credit XXXX  Opened XX/XX/XXXX Balance {$26.00} DEPTEDXXXX Opened XX/XX/XXXX Balance {$2400.00} DEPTEDXXXX Opened XX/XX/XXXX Balance XXXX DEPTEDXXXX  Opened XX/XX/XXXX Balance {$2200.00} These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable federal 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 2025-02-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the charge-off on the account referenced above. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I respectfully request the immediate removal or correction of the inaccuracies related to this account. The following points outline my specific dispute : 1. Inaccurate Reporting : The charge-off listed on this account is inaccurate and must be corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, accounts that have been charged off must reflect the correct reporting of account status, including whether the debt was paid or settled. If the charge-off was reported in error or the information is not substantiated, it is required by law that it be corrected. Please provide proof of the charge-off date and details of any payments or settlements made, as I believe this information is incorrect. If I have made any payments or settlements, I request that the reporting be updated to reflect this. If not, I request that this item be removed from my report as per the regulations governing charge-offs. 2 1099-C Request Ignored : I have submitted a request for a 1099-C ( Cancellation of Debt ) form, as required by the Internal Revenue Code ( IRC ) 6050P. This form is necessary for reporting canceled debt that exceeds { {$600.00} }, which could affect my tax obligations. Despite my request, I have not received the 1099-C form or an appropriate response. Under IRS guidelines, failure to issue the 1099-C form within a reasonable timeframe is a violation. I am requesting immediate action to provide me with the required 1099-C form and the appropriate documentation showing that the debt was canceled. 3. Request for Removal from Credit Report : Given the inaccuracies and failure to issue the necessary documentation, I am requesting that this account be removed from my credit report. Under the FCRA, inaccurate or unverifiable information must be deleted, and failure to respond to my dispute request within the legally mandated timeframe ( 30 days ) requires the immediate removal of this item from my credit file. I kindly request that you thoroughly investigate these inaccuracies and remove any incorrect or unverifiable information related to this account from my credit report. If I do not receive a timely response, I will pursue further action under the FCRA and other applicable consumer protection laws. Please respond in writing to my address listed above within the 30-day period mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

Company response to consumer: Closed with explanation