vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I disputed an Amazon transaction of {$310.00} with Synchrony Bank on XX/XX/year> according to the records of Synchrony Bank. This is the second dispute regarding the matter. The dispute was initially made months earlier, and Synchrony ended the initial dispute without resolution or notice. Other credit card companies provide a provisional credit for the amount in dispute until the dispute is resolved. If the resolution is adverse to the cardholder, the credit is reversed. Unfortunately, Synchrony does not provide a provisional credit, and then tries to collect the disputed amount when it collects the statement balance under autopay.

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 2025-01-29 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:
On XX/XX/XXXX, I disputed two XXXXXXXX XXXX accounts with Experian because the information being reported is inaccurate and misleading : XXXX XXXX Account ending in XXXX Reported as a charge-off with a balance of {$10000.00}. 
XXXXXXXX XXXX Account ending in XXXX Reported as a charge-off with a balance of {$530.00}. 
On XX/XX/XXXX, Experian responded that the accounts " have not been changed and will remain on your credit report. '' However, after reviewing their response, it is clear that Experian did not actually investigate my dispute. 

Experian never contacted XXXXXXXX XXXX to verify the accuracy of the information, and they failed to provide any explanation or method of verification. 
As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) that require credit bureaus to conduct a reasonable reinvestigation when a dispute is submitted. But in my case, Experian simply rubber-stamped their response without doing the necessary work to ensure accuracy.

This is not just frustratingits a violation of federal law.

FCRA Violations by Experian Failure to Conduct a Proper Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Experian is legally required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. 
They failed to verify the XXXXXXXX XXXX accounts with the creditor, violating my rights.

Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) These accounts contain incorrect information, and Experians refusal to correct them is a clear violation of their duty to maintain accurate credit reports.

Failure to Provide the Method of Verification ( FCRA 1681i ( a ) ( 7 ) ) I was never given any information about how Experian verified these accounts, which is a required part of the dispute process. 
XXXX Pattern of Ignoring Consumer Rights This isnt just happening to me. In XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes and violating the FCRA. The lawsuit accused Experian of Ignoring consumer evidence and refusing to verify disputed information. 
Automatically rejecting disputes without conducting real investigations. 
Repeatedly allowing inaccurate information to remain on reports, harming consumers. 
This is exactly what is happening in my case. XXXX refusal to correct or even investigate my dispute is further proof that they continue to violate consumer protection 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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ID

Complaint narrative:
Hi, I paid off my federal student loan on the XXXX XXXX XXXX XXXX program effective XX/XX/XXXX. However, the agency that has been handling these payments and reporting to the XXXX credit reporting agencies XXXX, XXXX and XXXX has not been forthright in reporting this as paid in full. Mohela took over as my agency in XXXX and it has been a headache ever since. I can reach anyone on the telephone in prompt manner and when I ever do reach someone it is after having been on hold for over two hours. Obviously working a job it is near impossible to handle any matters with them. Long story short this loan is paid off in full and I have satisfied all the requirements of the XXXX  requirements and have supporting documentation to prove this from both Mohela, XXXX, and XXXX XXXX agencies. I want to see this on my credit report displayed as such!! I have attached supporting documentation to this complaint. I would really like to see this rectified ASAP Thank you for any and all help on this matter. 
All three credit reporting agencies need to be contacted and told this debt is paid in full nothing else will be satisfactory. 
XXXX XXXX XXXX Mohela ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX shows up negatively on my credit report even though my owed balance says I owe XXXX dollars. 
I have disputed this transaction many times as well as called repeatedly but I can not get a human on the phone.

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 2025-01-28 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the companies that I filed a dispute against XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
On XX/XX/year>, I noticed that I was a victim of identity theft and the Equifax data breach. I became aware that my personal information, housing locations, Social security, birthdate and other information was compromised when my information was leaked. Since the Breach, I have discovered several negative and unauthorized accounts that were not opened by me. I did not authorize these accounts or transactions and have taken immediate steps to secure my personal information. There are a list of account that have been affected and I am requesting that these accounts be closed or flagged as fraudulent and that the activity is not reported to my credit. I also request a copy of the Identity theft report for my records. I will be also submitting my government Id and other relevant identifications as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent the required documentation three times to lift internal block last they claim they couldnt read license I sent XXXX more times XXXX copies at this time I fill equifax is freezing my credit illegally please help me obtain my identity back!!! This been going on over XXXX months now please investigate equifax fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Kohls, which I've been in good standing with for years sent me a bill in XXXX to my correct address and I paid the bill. I never heard from them again. 
I guess Capital One took over for Kohls cards and I have called them XXXX times with no response and hard to understand agents. They put you on hold and XXXX minutes come back, goes on and on until they give you to someone else. Same with Kohls. 
Since Capital One took over for Kohls the store told me one day when I went into shop while checking out that my old card wasn't good anymore, that I was sent out a new card. 
I never received the card. I got sale ads online and in the mail from Kohls. Tried again to use the card before XXXX, but still, the same speech from the agent that I got a new card and have to use it. They said you don't have to activate it? OK??? 
Now I get a report that I was delinquent on the Capital One Card, which I didn't know Kohls went to Capital One until yesterday!!! I was shocked!! Perused the issue with Capital One and they don't have the card number either because the account was closed by Capital One and my credit went down like XXXX points. Alarming for me and my history. 
{$130.00} was due I was told by my report, but I had no notifications and can not get the proper account number that was issued to me. It was during the beginning of the transaction period and they will be switched over to Capital One by the end of XXXX I was told today by Kohls. Kohls told me I must of got caught in the transaction when they first started switching. Kohls didn't even give Capital One my new address, or they went somewhere else. 
I DID NOT GET THE CARD AND DID NOT GET A BILL FOR ANY CHARGES OR I WOULD HAVE TAKEN CARE OF IT A LONG TIME AGAIN AND NIPPED IN IN THE BUD! 
Thank you for listening and hopefully I can get this off my credit. You can see from my history that I pay my bills. I own my home and vehicle and {$130.00} is nothing to me, but when someone else ruins my credit with a company changing over cards and payment banks and can't get it together better than this, this is sin!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX I have repeatedly called Equifax customer service to have assistance in logging into my online account so that I can perform an dispute on my credit account they did not help me only give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I was robbed for XXXX on cash app. I went into XXXX XXXX to get money order for my rent and it kept declining I called what I thought was cash app and whomever on the other end of the phone went into my cash app and cleared XXXX dollars that I had in my cash app account. I called cash app back and told them my account was wiped clean.cash app did nothing and told me there was nothing that can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
XXXX and equifax reporting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments Account Number : XXXX that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Date open Dec 27, 2023 Subject : Dispute of Information Under 15 USC 1681 Dear consumer financial protection bureau, I am writing to formally dispute the information included in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. Upon reviewing my credit report, I noticed inaccuracies regarding the furnishing and obtaining of my personal information.

I want to emphasize that I have never provided written consent for any party to furnish or obtain my personal information. According to 15 USC 1681, consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The lack of my consent raises serious concerns regarding the accuracy and legality of the information reported.

I kindly request that you investigate this matter and provide me with the results of your investigation. Additionally, please ensure that any inaccurate information is corrected or removed from my credit report in accordance with the FCRA guidelines.

To assist with your investigation, I have enclosed copies of relevant documents that support my claim. Please confirm receipt of this letter and inform me of the steps you will take to resolve this issue.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i would like to request copy 's of 1099 c 's for two account that was charge off by capital one bank. i ask them to remove the charge off status from my credit report because i'm paying the balance now over a XXXX mounts period. and i got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I sent a letter on XXXX XXXX certified mail asking for a validation of the debt. Veros responded back and couldn't locate a 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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX through XXXX Charge return for insufficient funds in error. Navy Federal Bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission rep ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation