vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
Equifax IN REGARD TO THESE XXXX XXXX XXXX  XXXX ACCOUNTS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. 
The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( XXXX U.S.C. XXXX ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to a consumer reporting agency in accordance with section XXXX ( XXXX ) of title XXXX. 

This also violates the XXXX XXXX ( XXXX XXXX. XXXX ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My information was exposed in a data breach through the XXXX credit bureaus

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 2025-02-09 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: OH

Complaint narrative:
In XX/XX/year> I discovered a few items on my credit report that do not belong to me. These accounts were unrecognizable and were not opened by me at any point and culd possibly be a result of the XXXX XXXX XXXX. Upon filing a police report, I also filed an Identity Theft Report with the FTC and followed the steps given by them which included disputing the fraudulent accounts with all data furnishers including Transunion, XXXX and XXXX. While some furnishers respected my rights per FCRA 603, 604, 605 & 623, Transunion did not. They removed the fraudulent accounts and then immediately put them back on my report, namely the account XXXX XXXX, without rhyme or reason or explanation. These items are affecting my livelihood and ability to live a productive life since credit is a factor with everything. These items need to be thoroughly investigated so that they can see that they are not of my doing. While being investigated these items need to be removed and blocked from affecting my credit report per FCRA Section 603, 604, 605 & 623.

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 2025-02-09 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: CT

Complaint narrative:
I noticed that when I checked my credit report, I see an accurate port reporting on this credit service about me being late on my credit card payments. I never was late on these payments is an accurate from my Credit report because it is reporting on Experian and Transunion and is not reporting on XXXX so I would like to have this be moved off my other XXXX credit reports because it is hurting my credit score and I would like to have it removed off

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WI

Complaint narrative:
Then you keep saying that I would. I'm not eligible for a refund check. But I have closed my account on XX/XX/XXXX of this year, and they refused to return my funds back to me. That was in that account as I close the account. 
I've been fighting with them since then. And they've still refused to return my account, stating That day closed. My account and I have not closed my account. And it's not in regulations to give my money back but I have stated to them that I was the one to close my account and I demand my money back, but they will not give me my money back. And so from this day, they refused to give me my money. They did promise to return my money within 30 days of closing the account but now they're saying That I'm not eligible for a refund. Check. 
Which is false information Because I was the one that closed my account, and I'm not returning any services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-09 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: FL

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 XXXX 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 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have made a first payment to a venue for my daughters wedding on XXXX XXXX XXXX  and I paid XXXX dollars on XX/XX/year>. I did NOT sign any contracts and I NEVER signed a contract with them and I was NOT told about their refund policy. I did NOT contact the business and did NOT sign any contract with business. The weddings was called off because the fianc XXXX XXXX changed his mind so I sent the business an email requesting to cancel the reservation and for a FULL refund of my XXXX dollars but they refused to refund me for NO reason. My daughter called them but they refused. So I disputed the charge with capital one XXXX card and capital one denied my dispute and are NOT helping me to get my money back from the pines XXXX weddings. The reservation with the XXXX  -XXXX  was cancelled and so there is NO wedding and I want my first payment that I paid them back. I want a FULL refund of my payment Case number with capital one Visa card is XXXX and the charge is from XXXX XXXX 
Again I did NOT NOT NOT SIGN ANY CONTRACT WITH THIS BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Saving Act. I seek redress for the misleading practices and failures to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DC

Complaint narrative:
My personal and financial information was shared and compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records as well as Title IV which specifically protects access to financial aid data. This breach is a clear violation of FERPA and their responsibility to safeguard my information.

FERPA Violation : -Unauthorized access or sharing of student records ( PII ).

- Failure to provide students access to their own records.

- Data Breaches involving protected student information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX {$XXXX} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NOT RECOGNIZED 12/10/1978 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX Credit Union XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX NOT RECOGNIZED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My 1098 was sent to me this year for the year of XXXX, For the second time with in five years my 1098 only showed property tax and interest for six months, My property tax and inerest was paid for the entire of XXXX therefore my 1098 should correspond to that. If i file my tax return for only six months of year and i paid into this house for a entire year, my return on my tax return will be shorter.I have had this problem with them once before but at that time but at that time they realize they were wrong and emailed me a letter correcting this problem ... .but not this time..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
the information on the credit report was not authorized and needs to be removed. I have spoken with XXXX, Equifax and XXXX however they are not complying with this request and failing to provide information about the information on the report. I have told them that that information was not valid on my credit report however they states that its going to stay on them. 
the following inquires needs to be removed from my report due to it being un unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours starting 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 the federal law and provides consumers with necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX, XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX  under account number XXXX, XXXX XXXX under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX  I under account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TX

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 XXXX 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 2025-02-09 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: TX

Complaint narrative:
These are the accounts that I have marked as inaccurate. XXXX 's. XXXX. Any other accounts showing derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was the victim of unfair and deceptive credit practices by Synchrony Bank on two separate occasions. In XXXX of XXXX, I was mislead about the fact that I was signing up for a deferred interest credit card ( for XXXX XXXX XXXX ) that was going to charge me with two years worth of interest all at once. I also was misled that my automatic payments would not in fact, pay off the balance in those two years. I was told that my automatic payments would have me on schedule to pay off the balance in two years and that I could set it and forget it. Crucially, I was not told that Synchronys website will steer you towards setting up a VARIABLE automatic payment rather than a FIXED automatic payment. So you set up this automatic payment and think youre heading towards a balance of XXXX after XXXX  years but youre actually heading towards a balance just above XXXX. Your automatic payment changes each month from one that would get you to zero to a payment that is a certain percentage of the remaining balance, rather than a percentage of your original principal. This is an insane and predatory practice! They know exactly what they are doing in setting up an auto payment system this way! I also was not told that if I failed to pay off the balance in two years I would have to pay that two years of deferred XXXX percent interest! So of course two years later my balance spiked and I have been unknowingly paying off the extra amount ( which brought my total owed almost back up to the amount I originally owed ) ever since. In XXXX of XXXX, I was misled again using the same deceptive credit practices and signed up for another credit card ( this time at Mattress Firm while purchasing a mattress ) that was going to hit me with the total deferred interest after three years and was told that it would be automatically be paid off after three years after setting up my automatic payments. By chance I noticed my checking account was being charged twice ( once for the XXXX  charges and once for the Mattress Firm charges ) each month by Synchrony and payed off the remaining total owed for the mattress after spending the day figuring out what was happening and why.

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 2025-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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