vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
On XXXX XXXX a charge was made to my account from Approved Auto of XXXX for XXXX for the down payment plus extended warranty for a XXXX XXXX XXXXXXXX XXXX. The vehicle didnt even make it back to my residence. It had to be towed. After contacting the dealership several times we were told to have the vehicle towed to the mechanic listed on the extended warranty. After running diagnostics on the vehicle, we were told that the vehicle was not safe to drive. I contacted CashApp about receiving my money back and was told that theres nothing they could do. I filed several disputes and they refused to issue my money back. Even after the car dealership released me from the contract and all obligations to the vehicle on XXXX XXXX. CashApp still refuses to give me my money back even after I sent them a copy of the release letter. Ive filed several complaints with the XXXX and my states attorney general. I didnt have the vehicle a week and CashApp knew all of this. And I still havent received any of my money back. The person that reached out to me after I filed my complaint with the XXXX  was cold, and didnt care that the vehicle was bought and returned on the same day.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : XXXXXXXX XXXX  The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both Experian and XXXX have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where Experian and XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

Sincerely,

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate item on my credit report that I wish to have deleted. The information in question is negatively impacting my credit standing, and despite my attempts to resolve this matter directly with the credit reporting agency and the creditor, the issue remains unresolved. 
Details of the Inaccurate Item : Creditors Name : XXXXXXXX XXXX  Account Number : XXXX and XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership I have made good faith efforts to dispute this error by contacting the creditor or credit bureau directly, XX/XX/XXXX Despite my attempts, the inaccurate information has not been corrected. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
With capital one and XXXX XXXX both account were settled and not able to get a card

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 — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and LexisNexis has not provided any documentation proving its accuracy, in direct violation of my rights under federal law.

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since LexisNexis has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report.

2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since LexisNexis and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law.

3. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since LexisNexis and the credit bureaus have not provided proof, they are failing to comply with federal law.

4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Under the 15 U.S. code 1692d I was affected by the XXXX XXXX XXXX  was out of work for 18months with no income or unemployment. How ever I still made payments until I exhausted all my funds including draining my XXXX. 

The harassment I received up to this account being closed caused XXXX  trauma. Because they kept pressuring me and there was nothing I could do. 
But try to stay alive.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
I have used CashApp for over a decade. Ive never had an issue with the business until recently. On XX/XX/XXXX, I helped create my XXXX  XXXX  an account so that I can send money directly to the XXXX. Because my XXXX  is a XXXX, I had to become the XXXX XXXX On XX/XX/XXXX, I seen the notice that my account had been closed due to gambling or other activity that goes against our Terms of Service. I reached out on multiple occasions to multiple people on the Support team trying to get an understanding of how I violated terms of service. I even asked for the activity on my account to even consider the violation. The only recent activity I have on my CashApp account is from XXXX, which those transactions are within 3 days. Each of those transactions are less than {$1.00} for the simple fact that I had XXXX XXXX  on my XXXX XXXX, I only had to pay out-of-pocket the difference, which in my case was only the tax. 

After going back and forth with the Support team, they kept responding that I violated terms of service but would not provide me details of any activity that would have supported their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
My account shows a deferred interest plan in the amount of {$65.00} for the concept of " Sales Tax ''. The transactions on the account do not show any purchase of {$65.00}, however, my balance account reflects this charge. I complained via fax since this is the only way they accept charge disputes. They answered me in XXXX saying that they solved the matter and the new balance would be reflected in the account the next month. To this day, I still have this spurious plan for a " Sales Tax '' that is accruing interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This creditor is on my report and charging interest fees as a debt collector. There is no information that advise I am the owner of this debt. No ID or SSN only a application that was filled out. I do not owe this debt and the original creditor confirmed that I do not owe them anything. I would like this removed of my credit immediately. 

In addition I want to see what all i have paid to the credit. When the payment posted? 

My wet signature to show that it is me? 

My entire payment history with the creditor and if any refunds or credits were given?

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: EQUIFAX, INC.
State: MA

Complaint narrative:
all the negative items on my reports is falsly reported and incorrect. never late on accounts listed and no charge off at all account payed and closed.

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: Self Financial Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : SELFSOUTHSTATE BANK The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both XXXX XXXX XXXX have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where XXXX XXXX XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

Sincerely,

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Bank name and branch address : CITI BANK, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX XXXX ). 

On XX/XX/year>, I requested a copy of my direct deposit details for my XXXX account. On that day, following the teller 's instructions, I provided my diet card and entered my PIN, and shortly afterward, she ( the XXXX female teller ) issued a direct deposit notice. Unfortunately, the information provided by the teller at the counter was totally incorrect ( WRONG ROUTING AND ACCOUNT NUMBER, Upon discovery, I approached the manager of the bank to talk and provided my debit card and the date I requested that direct deposit information the bank manager later confirmed that no one had accessed my debit card before she viewed it. So, I also questioned how the bank clerk issued me direct deposit information that day ). As a result, when XXXX paid my rent, the funds were ACH transferred to the wrong account ( another person 's account ). More than XXXX dollars going to another person 's account due to a teller mistake. ' Upon discovering this, I returned to the bank and spoke with the manager, who assured me the issue would be resolved within 15 business days. However, it has now been several months ( now half a year ), and I have not received any updates on the status of the matter, and no one has followed up on this. 

I would like to provide supporting documentation ( I still keep a copy of the wrong direct deposit notice issued by Citibank ). I really need someone to look at this, resolve it, and recover my money! 

I have contacted the bank in several ways, but so far, to no avail. I believe the bank has a record of my case, and I have provided the bank with several documents proving that the money belongs to me. My request is to ask the bank to restore the money that was wrongly deposited into someone else 's account to my account as soon as possible, as it was caused by the bank 's fault. I ask the bank to recover the money for me as soon as possible.

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had auto payments set up and forgot about that. I changed banks due to a divorce and forgot to change this to the new bank. I never got a text or anything until it was already 30 days passed due. Which then had a huge impact on my credit. This was just a mistake and I never got any notice to say it was late. I still paid on the credit card. It is with capital one. I never missed a payment until now. And it was XXXX dollars or so

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I ask that you please review this complaint carefully, as it was not sent in error. I believe I have fallen victim to identity theft, as my report contains accounts, transactions, and items that are not mine. Ive repeatedly encountered this mixed-up information, and its causing me significant distress and XXXX. The potential consequences of this situation are deeply concerning, and I fear further harm if its not addressed quickly.

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