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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
Can you clarify my concerns regarding lease XXXX on XX/XX/XXXX charge-off/ written- off amount of {$5800.00} Acima stated no 1099c was issued to me because Acima did not use this method to write-off lease but never disclosed what method was actually used? So today I ask was any THIRD- PARTY recovery, reimbursement, tax credit/deduction issued for this unrecoverable debt? Please enlighten me but my understanding of A write-off is a business accounting expense reported to account for unreceived payments or losses. A write-off reduces taxable income on the income statement. so that there is no confusion did Acima file this debt with the IRS to receive any tax benefit or has any insurance claim for this {$5800.00} debt been filed if so explain how Acima is able to receive any tax credit/ Insurance claim and still pursue me for full amount of debt and as of XX/XX/XXXX report debt as pass due with a balance of {$5800.00} to XXXX credit agency ?

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: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Service Finance Company , LLC. provides financing through XXXX XXXX. They set you up for automatic payments and fail to offer warnings or mail notifications that a window is passing ( except on the back side of statements in small print ) that you will be paying 27 % interest and thousands of dollars if you do not pay off the balance. This needs to be required to have a separate and special notice that you are about to be charged a large amount and predatory rates if you don't pay the balance and not obscure it on the back of a regular statement. 
I always pay my bills and my credit score is about XXXX, so taking a promotion with XXXX XXXX and allowing this company, Service Finance Company was a bad situation. 
my account number is account # XXXX, with Service Finance, I paid over {$2700.00} in penalties from this. I first complained about the process of notification and waited months for something in the mail, which they never sent. Now I am complaining about the interest rates and find that this is predatory.

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 — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Old account that continues to appear on credit reports account is closed more than XXXX years ago

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). specifically, cash App failed to take timely and effective measures to prevent any 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Request for Validation of Collection Account Dear Vance and Huffman LLC I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitied to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section 611 ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair.

Please provide the following : Verification of the debt, including the name of the original creditor. 
amount owed, and any associated contract or agreement proving my obligation to pay. 
2. 1,273 3.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

4. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Thank you for your recent response regarding my concerns and the closure of my account. I appreciate your efforts to provide clarification, but I would like to address some important points regarding the surcharge on my transactions and the application of XXXX XXXX. 

First, I would like to reiterate that the surcharge in question was not in effect nor was it disclosed on the XXXX XXXX website on XX/XX/year>. As you mentioned, the surcharge was added to help offset the cost of rising wages and benefits, but California 's XXXX  XXXX, which governs the transparency of such fees, did not come into effect until XX/XX/year>. Therefore, any surcharge applied prior to that date would not have complied with the law 's requirements. 

Furthermore, at the time of my purchase, there was no clear and conspicuous display of the surcharge on the XXXX XXXX  website or during the checkout process on XX/XX/year>. It was not until after XX/XX/year>, with the amendments from XXXX XXXX, that this surcharge was legally required to be disclosed on the site in the manner described in your letter. If the surcharge was applied to my account prior to this date, it would not have been in compliance with California 's laws concerning the disclosure of such fees. 

Therefore, I respectfully request that you reconsider the charge in question, as it was applied outside of the legal requirements. I would appreciate your prompt attention to this matter and look forward to a resolution in line with the appropriate regulations.As you referenced in your letter, the surcharge at issue was applied by XXXX XXXX, which I understand was intended to offset rising wages and benefits. However, I wish to point out that the surcharge was not in compliance with California 's XXXX  XXXX, which became effective on XX/XX/year>, and regulates the disclosure of mandatory fees by restaurants and certain other vendors. Prior to this date, the surcharge was not required to be disclosed in the manner described in your letter, and in fact, it was not clearly or conspicuously shown on the XXXX XXXX website as of XX/XX/year>, the date of my transaction. 

Under XXXX  XXXX, which was later amended by XXXX XXXX, mandatory fees charged by vendors are exempted from disclosure requirements if those fees are clearly and conspicuously displayed at the point of sale. At the time of my transaction, the surcharge was not disclosed in such a manner, as it did not appear on the website during checkout. Furthermore, XXXX  XXXX did not come into effect until XX/XX/year>, meaning that any surcharge applied before that date, including my XX/XX/year> purchase, was not governed by the new requirements

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
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: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX placed a XXXX $ hold on XXXX, RELEASED XXXX. XXXX  XXXX refuses to put the XXXX $ back in towards my account.I have called, just computer screen readers. I have emailed, NO response at all. They are a completely dishonest company.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally address the unjust closure of my account and the withholding of my funds, which has caused significant financial hardship. My account was closed after my son 's financial aid refund from his college attempted to post. I received no prior notification of this action, and as a result, I have been unable to access over {$1800.00} since XXXX. I pay for my son 's college so I am assuming when he had a little left over from a scholarship, they tried to deposit it as they do with college refunds. Citi rejected it and closed my account for fraud. My account had around {$1800.00} in it. I am not able to log into it and no one will help me. 

This situation has left me unable to pay critical bills or buy food for my household. Despite multiple attempts to resolve this issue, I have been met with an unacceptable lack of support : Customer service agents are only available in XXXX, with no access to U.S.-based representatives. 

XXXX XXXX branches do not answer their phones. 

I scheduled appointments that were never honored, as no one called me. 

A representative advised me to visit the nearest branch in Florida, which is XXXX hours away. However, that location does not answer phone calls either.

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 monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Account was opened XX/XX/year>, and two payments were made XXXX and XXXX on or before the XXXX which the date I was told by account opening officer. Then come XXXX, XXXX and XXXX my payment were made by phone but I was told that I was late because the due date was the XXXX which I wasnt aware of causing me 3 late payments. Ive called asking for the late payments to be removed and was denied. I also havent been late since that time. I called multiple times getting no results.

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 — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I deposit two checks at my bank Citizens bank on XX/XX/year>, issue by The U.S. Treasury ( Social Security Office ) in the amount of {$57000.00} and another one for {$57000.00} the bank said that my funds will be available on XX/XX/year>. On XX/XX/year> I went into my bank to withdraw some funds and they told me that my funds are on hold and sent me a letter of Notice of Extension of hold on deposit until XX/XX/year>. On XX/XX/year>, I went back into my bank to withdraw some funds and they told me that the funds won't be available until XX/XX/year>, give me your phone number and we will contact you which I have done. On XX/XX/year> someone at the bank contacted me and stated that they has put a stop on my check and will not be issuing any funds so I ask for my check back and they said to me we don't have it.

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: PA

Complaint narrative:
I did not authorize these inquires i would like them removed. I have filed with identity theft.gov and provided a copy. immediately remove these from my credit reporting. 

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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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not authorize these inquires i would like them removed. I have filed with identity theft.gov and provided a copy. immediately remove these from my credit reporting. 

XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired XXXX XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired XXXX XX/XX/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 2025-02-24 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: SC

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiry from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of this unauthorized inquiry.

Company response to consumer: Closed with explanation