vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This company is reporting that a car loan that isnt even mine was written off as a loss. They have not provided me with a 1099 C proof of sale at auction a wet signature belonging to me or anything else validating this debt. They are in direct violation of my rights and if this debt isnt removed I will be pursuing litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Subject : Consumer Complaint - Citibank Account Closure Following Misleading Customer Service Information ( Citi Reference Number : XXXX ) Product : Checking Account ( ending in XXXX ) Financial Institution : Citibank Issue Type : Closing or managing account / Account closure without adequate notice or explanation What Happened : On XX/XX/year>, I contacted Citibank 's customer service about my overdrawn checking account. Their representative provided specific instructions, stating that paying a {$40.00} overdraft fee would reactivate my account. Following this guidance, I immediately transferred {$550.00} to cover both the supposed fee and any overdrawn amount. 
The bank 's actions have resulted in several consumer protection concerns : Misrepresentation of Services : The representative provided incorrect information about account reactivation requirements I was instructed to pay an overdraft fee that contradicts Citibank 's published policy of not charging such fees Unfair Account Closure : Despite following the representative 's instructions and transferring funds, my account was closed No clear explanation or prior notice was provided for the closure The bank failed to specify the actual overdrawn amount or any legitimate fees Lack of Transparency : No documentation was provided regarding the reason for closure The bank has not addressed the discrepancy between their representative 's instructions and their actions Have You Tried to Fix This Issue? : Yes. I have contacted Citibank 's Executive Response Unit requesting : Review of the XX/XX/XXXX recorded call Verification of the representative 's instructions Clarification of actual overdrawn amounts and fees Explanation for the account closure Desired Resolution : I am seeking either : Reactivation of my account, as promised by their representative, or A detailed written explanation of the closure decision, including : Documentation of any policy violations Clarification of the contradictory information provided by their representative Explanation of why the {$550.00} payment did not resolve the issue Fair Resolution Expected : This situation demonstrates potential unfair and deceptive practices in violation of consumer protection laws. The bank 's actions have caused significant inconvenience and appear to violate basic consumer rights to accurate information and fair treatment. I request CFPB 's assistance in obtaining appropriate resolution and ensuring Citibank adheres to proper consumer protection practices.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone got a hold of my information using my account taking my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received my credit report for the new year I have addresses and jobs that I have never been affiliated with on my report my only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting a Bankruptcy and when I contacted tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they informed me they never share this information. So, when I disputed the information the XXXX bureaus said I needed to reach out to XXXX who reported it to them I then asked for written consent as to why is this information being shared.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
I dont know who that company is and i request information from them never respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-02-21 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: CO

Complaint narrative:
I am filing a complaint against Experian for to properly investigate my disputes regarding inaccuracies in my credit report Despite my submission, 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 responsible investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Dates 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 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I was XXXX XXXX  the summer with XXXX XXXX XXXX XXXXXXXX I notified the loan company of my XXXX  and was XXXX XXXX XXXX  but I paid what I could but was not the full amount during the two times I was ill. Ask was there anyway I could get a lower payment plan or even a deferment being I was XXXX and could XXXX XXXX to make the full on time payments they clearly denied me I continue to make small payments but still I paid they had me thinking I had to pay the whole time I was paying late fees and interest rates instead of my payment to catch me up when I was ill then they repossessed the car without letting me know it was even up for repossession I had just spoken to a representative 24 hrs prior to the repossession. They wont reinstate my loan they showed no empathy during the time I was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CL Holdings LLC
State: FL

Complaint narrative:
Debit sold to another debit collection no knowledge of this account no information provided this account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft. I want to make it absolutely clear that I did not authorize the opening of this account, nor have I been involved in any way with the actions associated with it. This is a fraudulent and unauthorized use of my identity, and I demand immediate action to correct this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 2025-02-21 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:
Subject : Response to CFPB Complaint Regarding XXXX XXXX  Disputes and Credit Reporting Dear Sir/Madam, I am writing in response to your letter regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning transaction disputes and credit reporting issues related to my XXXX XXXX account. 

I appreciate your investigation into this matter. However, I respectfully disagree with your findings and would like to clarify the following : 1. Credit Reporting Dispute : While I understand the Banks obligation to report accurate information to credit bureaus, I did not receive any payment reminders, missed payment notifications, or credit bureau reporting alerts as stated in your response. Had I been properly notified, I would have taken immediate action to prevent negative reporting. I request a further review of my case to determine if any adjustments can be made to my credit reporting. 
2. Transaction Disputes : I appreciate the Bank reopening my disputes and providing temporary credits. However, I strongly disagree with the resolution in favor of the merchants. I maintain that these transactions were unauthorized, and I request a detailed explanation of the investigative process used to determine their legitimacy. 
3. Ongoing Issue and Feeling of Violation : This matter has been ongoing for nearly two years, and I feel violated by both the Bank and the three major credit bureaus. While I am not disputing the legitimacy of the account itself, I am disputing the unauthorized, fraudulent transactions and the outstanding balance that resulted from them. The continued negative reporting has severely impacted my credit standing and financial well-being, despite my repeated attempts to resolve this issue. 
4. Debt Responsibility and Settlement Offer : As I strongly believe I am not responsible for this debt, I am willing to settle this matter once and for all by offering to pay 50 % of the outstanding balance as a settlement. In return, I request that the Bank agrees in writing to update my credit report from negative to positive. I believe this resolution is a fair and reasonable compromise that benefits both parties. 

Given the ongoing concerns regarding unauthorized transactions and the negative impact on my credit report, I kindly ask for reconsideration of my case. Additionally, I request direct contact with a senior representative to discuss potential resolutions. 

Please confirm receipt of this letter and provide a written response detailing the next steps. I look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Response to CFPB Complaint Regarding XXXX XXXX  Disputes and Credit Reporting Dear Sir/Madam, I am writing in response to your letter regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning transaction disputes and credit reporting issues related to my XXXX XXXX account. 

I appreciate your investigation into this matter. However, I respectfully disagree with your findings and would like to clarify the following : 1. Credit Reporting Dispute : While I understand the Banks obligation to report accurate information to credit bureaus, I did not receive any payment reminders, missed payment notifications, or credit bureau reporting alerts as stated in your response. Had I been properly notified, I would have taken immediate action to prevent negative reporting. I request a further review of my case to determine if any adjustments can be made to my credit reporting. 
2. Transaction Disputes : I appreciate the Bank reopening my disputes and providing temporary credits. However, I strongly disagree with the resolution in favor of the merchants. I maintain that these transactions were unauthorized, and I request a detailed explanation of the investigative process used to determine their legitimacy. 
3. Ongoing Issue and Feeling of Violation : This matter has been ongoing for nearly two years, and I feel violated by both the Bank and the three major credit bureaus. While I am not disputing the legitimacy of the account itself, I am disputing the unauthorized, fraudulent transactions and the outstanding balance that resulted from them. The continued negative reporting has severely impacted my credit standing and financial well-being, despite my repeated attempts to resolve this issue. 
4. Debt Responsibility and Settlement Offer : As I strongly believe I am not responsible for this debt, I am willing to settle this matter once and for all by offering to pay 50 % of the outstanding balance as a settlement. In return, I request that the Bank agrees in writing to update my credit report from negative to positive. I believe this resolution is a fair and reasonable compromise that benefits both parties. 

Given the ongoing concerns regarding unauthorized transactions and the negative impact on my credit report, I kindly ask for reconsideration of my case. Additionally, I request direct contact with a senior representative to discuss potential resolutions. 

Please confirm receipt of this letter and provide a written response detailing the next steps. I look forward to resolving this matter amicably. 

Sincerely, 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 2025-02-21 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss, I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp let any company come in and take your money without you even knowing and when you write the support team they act like its nothing they can do once the company or scram take your money and it's like when you try to let them know about the transaction it be earned or not there anymore and your money gone

Company response to consumer: Closed with explanation