vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
Errors were not removed after disputes were made against unknow debts. Companies did not verify original signed contracts

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 2025-01-22 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Heres a rewritten version of your letter : -- - On XX/XX/year>, at XXXX XXXX, I received an email from XXXX XXXX XXXX confirming a room booking for {$580.00}. At the time, I was browsing the XXXX XXXXXXXX XXXX XXXX reservation website but had not completed any booking. 

Shortly after receiving the email, I clicked on the link provided to cancel the booking. At XXXX XXXX, I received a second email confirming the cancellation, but it stated I was being charged {$580.00} as a cancellation fee. 

I immediately contacted the XXXX XXXX hotel to explain the situation. They informed me that they were not responsible for the charge and noted ongoing issues with third-party companies intercepting bookings on their website. 

Following this, I reached out to XXXX XXXX XXXX ( formerly XXXX XXXX XXXX  ) to request a refund. Unfortunately, I was unable to get any resolution. They either did not return my calls, or I was routed through an unhelpful loop of forwarded calls with no clear answers. 

Given this lack of response, I contacted my credit card company to dispute the charge, explaining that I never authorized XXXX XXXX XXXX to charge me {$580.00}. Initially, my credit card company assured me they would assist with the matter. However, a few months later, I received a generic email stating that the merchant claimed I had agreed to the charge, and they could not help further. 

I requested multiple times to speak directly with someone regarding the matter, but I was told that these disputes are handled exclusively by a third-party company, and no direct contact was 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I got capital one a few years ago with a great interest rate! Fast forward XXXX hard a few hard ships. I contacted capital XXXX many times trying to figure out why XXXX paying XXXX $ payments and my card is still maxed out NOT USING the card still maxed out after a year of payments Ive called and asked to send the debt to collections so I can pay what I owe now I owe more then I can even get ahold of and its rising please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened at Portfolio Recovery XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at Security Credit XXXX XXXX XX/XX/XXXX under account number XXXX  ; a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX Card XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX XXXX a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX Federal XXXX XXXX XX/XX/XXXX under the account number XXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from XXXX XXXX XXXX  on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I have previously requested my late payments to be investigated and to update these payments to paid on time immediately. I am now requesting proof of the previous investigations. I am asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this accounts was late, if you can not provide me with this information in 14 days update the account to PAID/NEVER late and send me a copy of my updated 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 non-monetary relief
Consumer complaint received 2025-01-22 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 previously requested my late payments to be investigated and to update these payments to paid on time immediately. I am now requesting proof of the previous investigations. I am asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this accounts was late, if you can not provide me with this information in 14 days update the account to PAID/NEVER late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i reached out to experian and the company which is mindland credit they agreed to remove the collection and its still there XXXX keeps refusing to move it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services
State: NJ

Complaint narrative:
Since moving to XXXX XXXX XXXX XXXX we have not been able to obtain the proper information to transfer our car title since lendmark can not provide me with a corporate code. XXXX XXXX  is a paper state that requires a corporate code. It has been over 2 years of trying to obtain this information. A complaint has been filed through lendmark corporate office against the XXXX XXXX  office ( the office that we obtained the loan through ). The car has been sitting here not able to be driven due to not being registered anymore. They are coming after me for {$8800.00} but why would I pay a car I can not even properly register?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I bank with Navy Federal and several times they've waited several days to post the money I've spent. Here recently I went to a restaurant and it didn't get charged to my account until four days later, same with my car note. I paid it on the XXXX as I do every month and it did not come out of my account until the XXXX leading me to believe I had more than what I actually had. Several times I've had to move money from my saving to checking to prevent it from becoming negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I am filing a complaint against RoundPoint Mortgage for mishandling my financial hardship plan and causing undue financial and emotional distress. 

Timeline of Events : In XX/XX/XXXX, I entered a hardship plan ( 6-month deferment ) due to a job loss, which was approved by RoundPoint. 
In XX/XX/XXXX, 5 months later, I resumed work and contacted RoundPoint to exit the plan. I accepted their offer to move missed payments to the end of my loan term. 
Despite confirming my acceptance, RoundPoint later claimed no record of it, initiated foreclosure proceedings, and demanded additional payments to " restore '' my account to current status. I would make XXXX such calls in which they claim no record of my acceptance. Roundpoint requires consumers to call in to accept the terms. One can not do it online or in writing. 


Current Situation : As of XX/XX/XXXX, my account remains unresolved. I continue to receive collection calls, and RoundPoint has caused unjust damage to my credit through mismanagement and contradictory information. 

I attached screenshop of my account as of this morning. Despite showing a payment made XX/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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am writing to follow up on my previous communications regarding the dispute for account number ( listed in attach file ) which reflects an outstanding balance of {$2000.00}. Despite several attempts to resolve this issue, I have yet to receive adequate verification of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : 1. Proof that I owe this debt, including a copy of the original agreement or contract associated with this account. 
2. Documentation demonstrating that this debt was properly assigned or transferred to XXXX XXXX XXXX, if applicable. 

As I have previously stated, if you are unable to provide proper verification, I am requesting that all references to this debt be removed from my credit report immediately to prevent further damage to my credit standing. 

I have contacted your company multiple times without a satisfactory resolution, and I expect prompt compliance with this request. Please treat this matter with urgency and provide a response within the legally mandated timeframe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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 2025-01-22 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-01-22 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: TN

Complaint narrative:
I recently filed a dispute about an account that was reporting my account 180 days late incorrectly. XXXX XXXX XXXX XXXX XXXX account late. And when I disputed it with shellpoint, they responded by stating that they sent a correction to the bureaus, but they never removed the late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> there was a transaction deposit into my account for payment for bills the payment amount was XXXX there was a dispute on the amount and then th dispute was canceled the refund and dispute was dicuss with a representative and it was supposed to be refunded on XX/XX/year> I reach out again same statement that it would be refunded it was never refunded and they closed the case with no expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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 2025-01-22 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXXXXXX 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 2025-01-22 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
cease and desist According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of

Company response to consumer: Closed with non-monetary relief