vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In Mid XXXX I rented a car from XXXX XXXX XXXX XXXX XXXXXXXX, and they asked for {$1000.00} dollar hold as a security deposit in case of accident. I used Ally credit card to pay the XXXX. XXXX XXXX  said the money would be credited back within 15 days of returning the car. Couple of weeks passed, and I noticed in my credit card statement still showing that I owed XXXX. I contacted the merchant and they said they refunded the money to Ally. I filed a dispute with Ally and they denied saying that they did not received any credit from.XXXX  So, I contacted XXXX and they comfirmed that they returned {$960.00} dollars on XXXX XXXX to Ally because some final fees were deducted from the deposit hold. I called Ally again and explained that the amount owed was XXXX, Not XXXX, then the Ally CSR said that the transaction from XXXX was never credited because XXXX made a mistake, they did not enter the dollar amount. Ok, so at this point I am like in a limbo. I emailed XXXX corporate and they assured that they indeed credited the money and they emailed me 3 different receipts as proof that they refunded the money. Since I had enough evidence, I submitted an appeal with Ally, i submitted a letter with receipts, emails and evidence to sustain my claim and on XX/XX/year>, Ally denied my dispute because now they are saying that at first I disputed {$1000.00} and the second appeal {$960.00}. Off course I was not aware that XXXX deducted money from my deposit, I did not have receipts until last week. I have been fighting this for almost 3 months and I know that Ally wants to keep money. This is fraud, predatory practices, they keep charging interest and messing up my credit score.

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 2025-03-01 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: CA

Complaint narrative:
Recently I looked 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 : BXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Your XXXX : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX 2025 131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} Capital One know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
They dont have real people to talk to and tell anything they run you around in circles and play games about your money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was scammed by 2 people on the app. One was for {$550.00} and the other one was for {$650.00}. I contacted cash app and they gave a me a fake number to call and they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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 look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-03-01 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate repossession entry on my credit report, listed under XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. CXXXXe XXXXi ( a ), I am requesting an immediate investigation and removal of this entry due to inaccurate reporting.

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 2025-03-01 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate repossession entry on my credit report, listed under XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. CXXXXe XXXXi ( a ), I am requesting an immediate investigation and removal of this entry due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged cash for XXXX orders that I didnt receive and I told them that multiple times I was told to email the company send letter and faxs to chase bank and kept saying they wasnt receiving any information regarding my case so I gave up my account was negative XXXX and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After XXXX  years of Requested disputes company has still refused to investigate issues related to file. Attached youll see my private XXXX file and will see how its been locked, validated and reviewed. XXXX was the only company to comply with FCRA standards and CFPB dispute information. Company has failed to review files within XXXX days, ignored calls for dispute request and cause financial and emotional distress without compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
On XX/XX/2025, at XXXXXXXX XXXX, Experian received my certified dispute letter regarding inaccurate information on my credit report. Instead of conducting the legally required reinvestigation, Experian falsely claimed that my dispute was not sent by me or was unauthorized and refused to process it. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which requires credit reporting agencies to reinvestigate disputed information when notified by the consumer. Experian is using a stall tactic to avoid compliance with federal law. 

I followed up with a second certified letter, making it clear that my dispute was legitimate and that I expected Experian to fulfill its legal obligation. Experian has ignored my demand, obstructing my right to dispute inaccurate credit information. 

Experian 's refusal to process my dispute has directly harmed me by allowing incorrect information to remain on my credit report. This is not just an isolated case but an example of a larger pattern of Experian failing to investigate disputes properly, violating consumer rights, and evading legal responsibility. 

I am now seeking regulatory intervention because Experian has refused to comply with the law, failed to reinvestigate my dispute, and has not provided a valid reason for its refusal.

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 2025-03-01 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: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX INNOVIS XXXX XXXX  XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: ID Analytics, Inc.
State: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) .FRAUDULENT INQUIRES : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm not sure if this is the right thing I'm looking for. A company said I had a credit card with them. I which the card never came. I told them this. Then I looked at my credit and now I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove any and all negative items in its entirety. Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate repossession entry on my credit report, listed under XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. CXXXXe XXXXi ( a ), I am requesting an immediate investigation and removal of this entry due to inaccurate reporting.

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 2025-03-01 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: TX

Complaint narrative:
TransUnion is refusing to remove a XXXX XXXX bankruptcy on my record from 2016 - it has been XXXX  years and they are refusing to remove it.

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 2025-03-01 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TN

Complaint narrative:
This account has been on my Experian XXXX and XXXX since XX/XX/year>2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank 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 2025-03-01 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: TN

Complaint narrative:
This account has been on my XXXX XXXX and TransUnion since XX/XX/scrub> 2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank 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 2025-03-01 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:
This account has been on my XXXX Equifaxs and XXXX since XX/XX/year>2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked 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, Acct ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Recently I looked 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, Acct ending in 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 2025-03-01 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 BEEN AFFECTED BY THE XXXXX DATA BREACH. PER 15 USC XXXX XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX  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 2025-03-01 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: TX

Complaint narrative:
INCORRECT PERSONAL INFO ADDRESSES XXXX XXXX XXXX XXXX XXXX TX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX TX XXXX ( XXXX  ) XXXX XXXX XXXXXXXX TX XXXX ( XXXX  ) FRAUDULANT ACCOUNTS XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCT # 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 explanation