vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-24 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Dear THE RECEIVABLE MANAGEMENT SERVICES LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

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 2025-02-24 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-02-24 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: GA

Complaint narrative:
i am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report.despite my submissions, XXXX  consistantly responds within 24hrs stating the account is accurate, without proving any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C - 1681, which mandates a reasonable investigation of disputes.Furthermore, XXXX XXXXs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPB 's recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I am reaching out to formally complain about First Horizon Bank holding my funds for over XXXX months due to an incoming wire transfer that is under investigation. Despite my repeated attempts to resolve the issue and my communication with the sending party to correct any necessary information, First Horizon has continued to hold the funds without providing any updates or a resolution. 

I have not received any follow-up calls regarding the investigation, and this prolonged delay has caused unnecessary financial hardship. I request immediate action to resolve this matter and the release of my funds. Please provide a status update and the next steps required to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I used my Apple Card to purchase a XXXX XXXX at the Apple Store. I went back to the store to return it for a different color and when I tried to make the new purchase GS flagged my account for fraud. Standing there in the store I called them and they said after about 30 minutes that they lifted the fraud flag and to go ahead and make my purchase. As soon as I did this my account got flagged AGAIN and now its restricted and they refuse despite my repeated attempts to get a date when I can use my account again. I need this computer for my livelihood and this was THEIR error in every way, which they admitted to repeatedly. I made no mistakes on my end but they refuse to fix their mistake that could cost me MY JOB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Creative Finance, Inc.
State: WI

Complaint narrative:
I bought a used car. I would have paid {$42000.00} for a used car that was worth {$8000.00} at the time of purchase. I bought gap coverage car insurance and had an accident that totaled the car. The insurance company paid approximately {$5600.00} plus additional {$1200.00}. On the car loan. I have paid {$740.00} for over a year. Now the financial situation says I still need to make the payments on the loan. For the balance of the loan. If I make the payments the car would end up costing XXXX more that the value. With XXXX months of having the car I had to put {$3200.00} into the car to keep it on the road. I think the amount I will pay for the car was to much money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/XXXX reminding me to make my payment by XX/XX/XXXX to avoid a late payment being reported. I made the payment on XX/XX/XXXX and it cleared my account on XX/XX/XXXX. I received a notice from Experian that my account payment had been updated with a 30 day late payment. 

I contacted XXXX  by email and was advised to open a dispute with the credit bureau. I do not feel that this is a fair business practice and I am unsure why my payment was not updated in their system until XX/XX/XXXX. I will attach the emails from the company and the screenshot of the date the payment posted to my account.

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 2025-02-24 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: TX

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/XXXX reminding me to make my payment by XX/XX/XXXX to avoid a late payment being reported. I made the payment on XX/XX/XXXX and it cleared my account on XX/XX/XXXX. I received a notice from XXXX that my account payment had been updated with a 30 day late payment. 

I contacted XXXX by email and was advised to open a dispute with the credit bureau. I do not feel that this is a fair business practice and I am unsure why my payment was not updated in their system until XX/XX/XXXX. I will attach the emails from the company and the screenshot of the date the payment posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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 explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I bought a ring from XXXX XXXX XXXX of XXXX. I agreed to a payment plan of {$100.00} a month for XXXX  months for a ring that costed {$1300.00} and I paid {$100.00} down. Now I owe {$1300.00}. They say its because of late fees but the late fees are only {$41.00} however, they charge other debits that are around XXXX XXXX  {$130.00}. I was late for a couple payments and the company says its because of the {$41.00} late fees. Which doesnt make sense if I have been paying for almost a year now. They also call me around XXXX  times a day including weekends and they will call me on no caller ID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle 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 Zelle 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX, FL XXXX ACCOUNT # XXXX XX/XX/XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive. 

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX, FL XXXX ACCOUNT # XXXX XX/XX/XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive. 

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive.

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 2025-02-24 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to lodge a complaint regarding inaccurate information on my credit report. Despite having a charge-off with XXXXXXXX XXXX  since 2019, this informations is erroneously indication that i have missed payments. I have not received a 1099C form from XXXXXXXX XXXX But they have acknowledged the error and agreed to remove this information from my credit. 


Thank you, 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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposit a check with Truist Bank and the check call the other bank. Truist also reach out to the law firm that issue the check and truist refuse to get me my money they close my account and they keep saying the check is no good.

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 2025-02-24 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
my personal information was stolen by a navy federal impersonator and my phone number was spoofed on XX/XX/year> and unauthorized charges on my credit cards of {$3500.00} on both cards were made for XXXX XXXX XXXX XXXX I reported the fraudulent charges to navy federal and i received a temporary credit for the charges that were later removed when they said they have found no evidence of fraud. i wrote an appeal to them but was later told the decision stands. i was told that i can receive further help by going to a navy federal branch but i was unfortunately XXXX XXXX XXXX XXXX XXXX XXXX where there is no branch. i later went to a branch a few weeks ago when i came back from duty to submit the claim again to later have it be denied as they said no error was found. At each turn i was explained the impossibility and ridiculousness of me authorizing the charges as XXXX XXXX XXXX XXXX XXXX  and would be unable to travel to XXXX only to be met with skepticism and their explanation of why the charge is legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 an 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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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