vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used XXXX XXXX to try and do taxes. I had several questions regarding the fees and charges for submitting the paper work. None of the issues were resolved and I was just passed along from one agent to another. I called the customer service and spoke to them explaining how upset I was in the service and that I did not want to file my taxes through them. They sent me a link for the refund as they had already charged my card without filing the taxes to the Federal or the state. I contacted Citibank who a day later aprx XX/XX/XXXX told me by email I was getting a permanent refund back to my credit card. Later when checking the statement I saw a notice by the XXXX XXXX credit which stated withdraw dispute. Knowing I had received confirmation by Citibank I pressed this button thinking it was to remove the stated dispute from my statement. Now I find out on the very same day that this was not the meaning and spoke to there Manager XXXX who agreed how this statement could be misunderstood and that he would take care of it. I called back today XX/XX/XXXX to find nothing was done and the XXXX dollar charge is back on my statement from Citibank despite there advising me it would be done back on XX/XX/XXXX. I need someone to intervene on my behalf as nothing is being done. In the meantime I did engage with another firm to do my taxes as time is of the essence. I never filed anything through 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 monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Need to be delete from all credit bureaus pass time limite to be reporting... 
TD AUTO FINANCE XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, XXXX living, sentient, breathing, natural man ) and master beneficiary of all securities created in the government created entity name XXXX XXXX XXXX XXXX ; which is a artificial entity distinct from a natural living man created by XXXX as affirmed in XXXX XXXX XXXX. This living man bring forth this claim against Experian for violation of my rights under the " FCRA '' and Civil liability for willful noncompliance 15 U.S. Code 1681n, after said corporation was provide with proper documentation, but failed to correct the errors and maintain " Maximum Accuracy '' as they are obligated by 15 U.S.C 1681e ( b ). 

FACTUAL EVIDENCE : on XX/XX/XXXX, I submitted a dispute to Experian about inaccurate information in my consumer report and demanded investigation and deletion of inaccurate information. To also provide me with the procedure used to determine the completeness and accuracy of the information, including the name of the contacts they spoke with and address of the furnisher as they are obligated according to 15 U.S.C 1681i ( 6 ) ( B ) ( iii ). I received a correspondence from Experian stating " The address that you provided has never been reported to us ''. But in fact, that address is being reported in my Experian consumer report. In a recent active and on going lawsuit against Experian by the Consumer Financial Protection Bureau " CFPB '' highlighted similar issues with Experian conducting " Sham Investigation '' of credit report errors or in some cases " Experian regularly gives the supporting documents no weight in resolving the dispute and routinely conducts no further reinvestigation of the dispute beyond the furnishers XXXX response ''. This is a clear example of what transpired. In some instances where Experian receives illogical responses from furnishers, " Experian partially implements the furnishers XXXX response on the consumers report, but also unilaterally alters the information in the XXXX to make it appear logical and consistent. In doing so, Experian does not take steps to ensure that the changed tradeline is in fact complete and accurate. '' Experian were provided recent documents validating my address, but refused to delete the inaccurate information and send me an updated report. This is also a violation of the Consumer Financial Protection Act of 2010 ( CFPA ), CFPAs prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ).

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. This account is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: LA

Complaint narrative:
Block which is cashapp been denieing my disputes and over charging me since XXXX/XXXX/XXXX to XX/XX/XXXX amount XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was scammed via cashapp and I contacted customer service and was met with a bot to handle my issue. I asked for receipts to report to police so I could get my money back and they provided nothing and couldn't do anything to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$3700.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I had a bill for a medical facility placed onto my credit report that is not mine. I notified the company and they refuse to remove it. I wasnt ever notified of the bill prior to it being placed on my credit report or I would have challenged the validity of it. Please remove it from my credit report or face litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a 1099c Debt Cancellation Letter from AMEX. This was written off as a complete loss and I have now assumed the tax liability for that debt and it is now a part of my personal income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Im extremely frustrated with Capital One XXXX XXXX customer service. I accidentally booked an extra night and called to have it canceled and refunded. After spending hours on the phone with multiple agents, they canceled the night but refused to issue a refundthen claimed thats what I had requested. Who would ask for a cancellation without a refund? 

This experience has completely ruined my vacation. I also contacted the hotel, and they confirmed they werent responsible for the refund. Capital One has been unhelpful, unwilling to accommodate, and has wasted my time. I will no longer use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My issue that i closed my CD with HSBC for a valuation of close to XXXX. Bank issued me a Cheque which was returned back to them as i was not in the city and XXXX wanted a physical copy. 

On my return, i called the Bank to re-send it or issue a new XXXX or make an online transfer to my external account however they asked me to -- XXXX. Sign an XXXX XXXX XXXX. Get it Notarized XXXX. XXXX it to them XXXX. They asked me to pay for Shipping and also for Notary I called their Escalation Department and i am being told that it is their Process and there is no exception?

My Issues is - - Why is the process so complicated?

- Why do i have to pay for shipping and notary?

- Why cant they just send it to a Branch and i can collect form there?

- Why cant they make take a soft copy of a signed document? 
- What will they do if a personal is not medically fit and is on XXXX XXXX then will the same policy apply with HSBC? 
- What are they doing to do for my money which is kept with them and there is no interest? 


Escalation Ref Number is - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To whom it may concern : I filed disputes with Experian about a month ago, and also just recently filed disputes again. They did not remove the fraudulent accounts nor provide me with the verification process. These accounts in which I also filed a identity theft report for are : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX also filed disputes a second time with Experian for double reporting an account which are reported by both a collection agency and the original creditor : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX Experian did not delete any of these accounts nor did they provide me with proof of their verification process, who they spoke with or had contact with to verify these accounts. 
I also just recently filed disputes again with Experian for late payments that shouldnt have been reported on my student loans that have now been consolidated. I have had several forbearances and deferments on my student loan accounts and was informed that I would not need to make payments during a deferment, forbearance, nor while in the process of being consolidated. Also, there were late payments reported during the XXXX forbearance when all student loan payments were paused. These were reported by : 1. ) Higher Education Student Loans II was recently denied approval for an apartment rental and need these deleted as soon as possible. Thank you so much for your candor in this matter and I look forward to hearing from you soon

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Following is reporting to credit agencies that debt is owed. I never have done business with LVN funding and have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting that you provide proper verification before any further collection actions. Please provide the following information : 1. Proof that I owe this debt, including the name of the original creditor, the account number, and any agreements with my signature. 2. A full itemization of the debt, including the original amount, interest, fees, payments made, and the current balance. 3. A copy of the original agreement proving I have a legal obligation to pay. 4. Proof that you are legally authorized to collect this debt, including any agreements transferring the debt to your agency. XXXX. Documentation of any payments made toward this debt. Under the FDCPA, you must cease all collection activity until you have properly validated this debt. If you are unable to provide the requested documentation, I request that you remove this debt from your records and notify any credit bureaus to delete any related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding an issue with my federal student loans. Despite being enrolled in the Saving on a Valuable Education ( SAVE ) repayment plan, I have noticed that interest is being charged on my loans during my period of forbearance. According to multiple letters I have received from MOHELA, I was informed that my interest rate would be 0 % while in forbearance under the SAVE plan. However, contrary to this information, interest has been applied to my loans.

As a result, the total balance for all my loans has increased significantly, and the amount currently due is much higher than what is reflected on my official Federal Student Aid account. This discrepancy is concerning and causing unnecessary financial strain. 

I have previously reached out to MOHELA regarding this issue but have not yet received a response. I would appreciate a prompt resolution and request the following : - Immediate clarification on this issue, as well as a correction to my account.

- Interest charges to be reversed, and my loan balance should be updated to reflect the accurate amounts consistent with the terms of the SAVE repayment plan. 
- A formal response to my inquiry regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account XXXX with XXXX XXXX was hacked and attacked by scammers XX/XX/year>. Please see attached report. This account should be closed and deleted from all credit reporting with a paid in full status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account XXXX with XXXX XXXX was hacked and attacked by scammers XX/XX/year>. Please see attached report. This account should be closed and deleted from all credit reporting with a paid in full status.

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 2025-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For the Record I submit through the CFPB unto Wells Fargo Home Mortgage XXXX : XXXX XXXX. 


my documents and revocation of XXXX. from WELLS FARGO and WELLS FARGO HOME MORTGAGE and appoint XXXX XXXX XXXX as my legal representative with full rights and Power of attorney ( see documents attached ) Let it be known XX/XX/XXXX so there can be no controversy both parties are in fact operating in Bankruptcy under the Bankruptcy Act Debt and not be paid with debt only discharged since 1933 I reserve my rights and waive none pursuant UCC1-308

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are unrecognizable accounts that I found listed on my credit report. The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. This account is hurting my ability to obtain credit.

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