vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, just before XXXX, I was in the market for a new car. I headed to the local dealership to check out a XXXX XXXX XXXX XXXX. I had my eye on trading in my XXXX XXXX XXXX, which had decent mileage and had never been in an accident. But guess what? They wouldnt take my XXXX! I cant remember the exact reason, but they convinced me to go through repossession instead. The salesman assured me it wouldnt hurt my credit too much, but they left out the part where it stays on your credit for years. So, I went ahead and repossessed my XXXX because I was told it wouldnt affect me. When I applied for financing for the XXXX XXXX, they did everything they could to get the bank to approve my loan. Im pretty sure they lied on some of the details. When they told me the monthly payments, I was a bit taken aback. They were {$850.00}, and my checks werent cutting it at the time. But somehow, they convinced me to buy the car anyway. Now, Im struggling to make ends meet with this vehicle. I cant refinance it because, for some reason, more than half of the payments Ive sent in have gone towards interest, not the principal. Ive had this car since XX/XX/XXXX, and the loan amount started at around {$38000.00}. Its now XX/XX/XXXX, and its still {$37000.00}. The payoff amount hasnt budged much at all. Ive tried reaching out to the finance company about this, but theyre not very helpful or caring. Im stuck in this vehicle, and Ive tried everything I can to get out of the loan and into a new one. Or even a new car, but XXXX cant do anything. Ive tried refinancing through another company, but they denied me because of the repossession the dealership told me to do, and because the payoff amount is too high and the car isnt worth it. This whole situation is taking a toll on my mental and physical health. Im constantly stressed out, and I cant do anything about it. Its gotten to the point where Im considering repossessing the car, but then Id be without one. Im in a tough spot financially and mentally because I cant save money for anything now that I have to pay for this car. Im trying to go back to school to start my career, but itll take me 10 years. Im desperate for any advice or solutions to this situation. Ive tried everything I can think of to get out of it, but nothing seems to work. 

Here are the details : Car dealership : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XXXX XXXX Financed through : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, Texas, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe this repossession is inaccurate and should not be included in my credit report. The reason for my dispute is I never received a right to redeem letter. Here is the account on my experian report 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as they adversely affect my creditworthiness.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
Coinbase locked my account on XXXX to " verify my identity ''. I've had the account for many years and my portfolio is in excess of $ XXXX. I have done everything they asked to restore access to my account but they require proof of where I obtained my capital from. I do not have such documents. My seed money came from a wrongful death suit and I explained that. Ive paid my taxes every year, they have my ID and my SSN, I've sent documents of every transfer I ever made from my bank account to Coinbase. They have given me a few days to submit these documents but refuse to tell me what will happen if I can not. I have asked them, they have dodged every question and refused to even tell me what documents will satisfy them. I can not make trades or withdraw any of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: WI

Complaint narrative:
In XXXX of XXXX, XXXX XXXX offered a promotional deal on an XXXX XXXX XXXX where it would be " effectively free of charge '' with the purchase of a qualifying phone plan. XXXX failed to apply that promotion to my account. They admitted their mistake after being reported to the XXXX XXXX XXXX XXXX, Trade, and Consumer Protection in complaint # XXXX in XXXX of XXXX ( their response attached ). Of note are the following lines " Our records also indicate that XXXX XXXX was issued credits totaling {$240.00} to account for approximately seven months of the missing discount. '' and " I have applied an additional credit in the amount of {$430.00} on her account which is equal to the remaining XXXX months in which she was incorrectly charged for the handset. '' Seeing as my account had a free 20 months to amend their mistake, I stayed with XXXX XXXX until those credits ran out. On XX/XX/XXXX of XXXX, I cancelled my USCellular account. In the call I was assured that because my account was up-to-date and I cancelled before the next billing cycle, there would be no charge to my account. You will find an attached email dated XX/XX/XXXX where they suggest I restart my USCellular service because they " XXXX ( me ) already ''. I would include my e-bills, but as my account has been cancelled, I have no access to the account. 

So imagine my surprise as I get an email on XX/XX/XXXX from my bank stating that " a new account is now on your credit report '' and to find a new collections account from Harris & Harris in the amount of {$91.00} ( XXXX screenshot attached ). Without any attempts to contact me from either XXXX or Harris & Harris 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
due to breaches from XXXX there were accounts open under my name XXXX. Identity Theft XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately XXXX. Identity XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Identity Theft XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX XXXX I NEVER GAVE ATHORITY TO OPEN THESE ACCTS!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX AKA RESURGENT XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNVFUNDG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNVFUNDG AKA RESURGENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today, on XX/XX/year>, I was on the CapitalOne website talking to the virtual assistant. I then got a redirection link to talk to a live agent which took me to a XXXX XXXX. I gave sensitive information like the last XXXX of my SSN and credit card numbers, my date of birth, and my address. After receiving a message I needed clarification on, I learned that this was not an official Capital One website but I had already given my information. 

I called Capital One 's fraud line immediately but he was not of much help because he couldn't understand the problem I was explaining to him. I locked my cards and tried to request new ones, but then I was told to call them. After receiving no help when I had just called, I was hesitant to call again so I froze my XXXX credit report and now I am filling out this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello there, This complaint is about Coinbase and my account 's inability to send or access the cryptocurrency I bought recently. 

I've had my Coinbase account for a while without any issues, probably around a year or more now. However, a week ago my account was randomly restricted and was unable to buy anything or send any of my existing money/crypto. This is extremely concerning for me as I have a lot of money on the platform that I wish to transfer to a different wallet for long-term storage, but I'm unable to do so now. 

At first, I was told the sending restriction was only for 2 months, until XX/XX/year>. I contacted Coinbase support on Friday, XX/XX/XXXX to try and get more information and see if I could get the restriction lifted, but all I got after their " manual review '' was an email saying that some services remain XXXX for me at this time and another email telling me about how to avoid scams and that they suspected I may have sent XXXX to a " fraudulent person or platform ''. I was not a victim of any scams and I've only sent XXXX to wallets that I own. And now the message in the app is just saying they've limited my ability to send crypto, without any date or time period that the restriction will end. 

I really need to be able to access my crypto and transfer it to a safe place. I've tried contacting them via their support numerous times but I'm often left on hold for hours, I was only able to get through to an agent 2 times after days of trying. It's very frustrating having so much XXXX stuck in my account, I would like to transfer it as soon as possible or at least know I will be able to eventually. The company hasn't been transparent about this at all and before I contacted support there was no email or indication in the app about what happened, only the message saying I was restricted when trying to send. 

I can provide any other details or information you may need about this. I don't care about buying more XXXX, I just want to be able to send the XXXX I own. Thanks a lot in advance for your help with this, I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I have requested a refund from Cash App over a number of time for items. I have not received from my consumer, even if that I sent proof that I did not receive the item cash. It still will not refund my money accounts that I canceled and the sumes still charge my Card, I reached out to Cash App, and they didnothing. It was like its not their money. They dont care. They did nothing to resolve. My issue is no XXXX XXXX numbers to call to talk to anybody youre just out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received XXXX {$100.00} American Express XXXXXXXX XXXX XXXX for XXXX, XX/XX/XXXX. The expiration on the card is XX/XX/XXXX. Today is XX/XX/XXXX. I called the customer service line to get new cards issued and they're response was : there are no longer funds on the card, we can not issue a new card because there are no funds, and there isn't anything they can do about it.

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

Complaint narrative:
I submitted a dispute to Equifax regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), Equifax is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt.

Despite my formal request, Equifax has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across Equifax, Experian, and TransUnion : Different account balances reported across bureaus. 
Conflicting last reported dates and date of last payment information. 
Varying past-due amounts and payment status. 
These discrepancies suggest that Equifax did not conduct a thorough investigation as required by the FCRA and failed to ensure maximum possible accuracy in my credit report under 15 U.S.C. 1681e ( b ). Furthermore, if Equifax can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ).

This lack of compliance has harmed my creditworthiness and financial standing.

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

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked inaccurate XXXX XXXX XXXX XXXX and 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 2025-02-02 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: SC

Complaint narrative:
I have requested several times for the three major credit reporting agencies to remove all other names, addresses and phone numbers offer my credit report except for the ones that I have given them. I only have one name, which is, XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX, AND I AM THE CEO OF XXXX XXXX XXXX XXXX THAT IS MY JOB, WHERE ARE WORK. I have asked them to remove any and all other information. Because it makes it look as if I move around a lot. The truth IS that I was in the XXXX XXXX XXXX for twenty three years and yes, I didn't move around a lot, but during that twenty three years that was my job so I had to do what I had to do I am asking for help because they do not want to remove all the other old and outdated information. Which, in turn harms me from obtaining auto loans and other things that I need to take care of 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the account numbers listed on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that CFPB you take action to ensure they cease all collection activities regarding the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Franklin Collection Service, Inc.
State: AL

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 XXXX. Account name : FRANKLIN COLLECTION. I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC XXXX ( e ) ( b ). And according to the 15 USC XXXXi XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( XXXX ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC XXXXsXXXX they are suppose to nor 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 response to consumer: Closed with explanation