vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
4 years ago I financed a car from XXXXXXXX XXXX XXXX I was never provided with the title the car was taking from me by XXXX XXXX in XXXX XXXX as far as I know the company got there car back but its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Pnc bank charged XXXX dollars in late fees. Even though we paid the home equity on time, they accumulated late fees for XXXX months. We didn't get notice and this kept happening even though we paid on time through online/phone bill pay. I called and asked them to waive but they said they could only do XXXX dollars. This seems excessive, particularly when they payments were ontime and it went into collections strictly because the amount was altered because of cumulative late fees to the total of XXXX. Again, the loan itself was paid ontime during this whole XXXX  month period and the company did not contact us to -- they just kept charging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 -48 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, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I am writing to bring to your immediate attention a serious issue regarding the unethical conduct of Avant. Approximately XXXX years ago, my card was fraudulently used with Avant, and I promptly took action by disputing the claim and submitting all necessary documentation, including police reports and identity theft information. 

However, to my shock and dismay, I have now been informed that I will be unable to apply for another loan unless I rescind the fraudulent claim and falsely state that I lied. Such a demand is not only unjust but also morally reprehensible. It is clear that Avant is prioritizing their own interests over the well-being and rights of their customers. 

I must stress that I refuse to compromise my integrity by making a false statement against my own best interests. I find it deeply troubling that Avant would engage in such underhanded tactics and place the burden of their fraudulent activities on innocent customers. 

I am left with no choice but to consider taking legal action against Avant for their deplorable behavior. This situation is a clear violation of my rights as a consumer, and I will not stand idly by while my honesty and decency are called into question. 

I demand an immediate and satisfactory resolution to this matter. I expect Avant to rectify this situation promptly, acknowledge their wrongdoing, and ensure that no other customer is subjected to such deceitful practices. 

I look forward to your prompt response and a resolution that upholds the principles of honesty and fairness. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am writing to formally request the immediate discharge of my federal student loans due to a serious violation of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g, 34 CFR Part 99 ) and related federal privacy laws by XXXX ( XXXX XXXX XXXX XXXXXXXX. ) XXXX was allowed to access this data, along with many other classified information, after the creation of the commission by President Trump last month. My personal and financial information, as well as that of my family, was compromised without my authorization, which is a clear violation of FERPA and your institutions responsibility to protect the confidentiality of my records. 

As you are aware, FERPA safeguards the privacy of student records, including personal and financial information. The breach of my data is not only a direct violation of FERPA but also renders any agreements related to my student loans null and void, as it compromises the very contract under which my loans were issued. The unauthorized release of my personal and financial details has caused significant harm, and I believe this breach warrants at minimum, the full discharge of my student loan debt. 

Not only was my own information released without my consent, but also my familys financial information, which was provided during the loan application process. 

Given the severity of this situation, I respectfully request that you immediately cancel and discharge my student loan debt in full. I trust you will address this matter with the urgency it requires and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received a 1099-k tax form from Block Inc that states I received XXXX USD in payments during the year of XXXX. I contacted Cash app, the main company, and they stated they could not help me because my account had been closed ( most likely due to the fraudulent activity ), I have reached out again with no further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, i discovered some instances of late payments on an account in which i have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. i have never missed a payment on the following accounts : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ] I request a thorough investigation into these discrepancies and urge you, to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligations without delay. i have attached all three reports showing inaccurate information in attachments. 

15 us code 1666b 15 us code 1681e ( b )

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 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year> I was approved for a US Bank XXXX XXXX XXXX card with a credit limit of {$23000.00} and an introductory bonus offer of XXXX miles. On XX/XX/year> I made charges totaling {$15000.00} and a restriction was placed on my account on XX/XX/year>. The restriction was lifted on XX/XX/year> without my involvement and I made additional charges totaling {$7400.00}. Two days before my statement was set to close and the bonus offer awarded US Bank terminated my account without warning. My purchases never exceeded the credit limit offered by US Bank.

Bare in mind no communication was given at all about the status of my account. I called US Bank daily to obtain information often with hold times longer than 30 minutes. One would assume that when a restriction is placed and then removed the account is in good standing. However that is not that case and US bank stole XXXX miles from me along with pocketing interchange fees for {$22000.00}. 

I even attempted to make immediate payments to increase the available credit and paid wire fees to US Bank and also my sending institution. I requested account reinstatement from the collections team and was denied by a supervisor. This whole situation has been very one sided and the consumer had no protections whatsoever. 

Later I received a letter that the account was closed for fraud, yet no attempt was made by US Bank to reconcile the charges or verify if they were legitimate. According to the terms and conditions for this card I am now ineligible for this card bonus for 5 years yet I never received one.

Please find attached documents which show the wire transfer fee I was charged to make payments in good faith. The credit card statement which shows the miles I earned and my membership account that shows no miles were deposited.

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 2025-02-10 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: TX

Complaint narrative:
XXXX XXXX XXXX  Date XXXX XXXX Amount XXXX $ I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 -48 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, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. These accounts were disputed through he CFPB on XX/XX/year>. As of XX/XX/year> these accounts are still under investigation. The Fair Credit Reporting Act requires credit bureaus to delete any information that cant be verified within 30 days.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I AM FILLING A COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE COSTOMER SERVICE AND UNFAIR PRACTICES, WHICH VIOLATE THE CONSUMER FINACIAL PROTECTION ACT ( CFPA ). SPECIFICALLY, CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VUNERABLE AND UNPROTECTED. FURTHERMORE, THEIR DIPUTE 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 SIGNIFIGANT INCONVENIENCE AND FINICIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
What happened ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from Capital One Auto Finance opened on or around XX/XX/2021 account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: LEXISNEXIS
State: AL

Complaint narrative:
Unauthorized Furnishing of My Credit Report by Lexis Nexis Disputed bankruptcy record case number XXXX I am filing this complaint against Lexis Nexis Risk Solutions for violating my rights under the Fair Credit Reporting Act ( FCRA ) by furnishing my consumer credit report without a permissible purpose as defined in 15 U.S.C. 1681b. 
After reviewing your response on XX/XX/year>, I discovered that Lexis Nexis provided access to my credit report without my authorization and without a legally permissible reason from XXXX  website. Under the FCRA, consumer reporting agencies like Lexis Nexis must ensure that credit reports are only accessed for valid purposes, such as credit transactions, employment screening ( with consent ), insurance underwriting, or other legally authorized reasons. 
I did not apply for credit, insurance, employment, or any other service that would justify Lexis Nexis accessing or sharing my credit report. Their actions have violated my rights as a consumer, and I am deeply concerned about the unauthorized distribution of my personal financial information. 
I am requesting the following actions be taken : An immediate investigation into why my credit report was accessed and by whom. 
A written explanation from Lexis Nexis detailing the justification for furnishing my report. 
Removal of bankruptcy record case number XXXX Confirmation that Lexis Nexis has implemented measures to prevent this from happening again. 

This violation not only infringes upon my consumer rights but also poses a risk to my financial privacy and security. I demand immediate corrective action and expect a timely resolution to this matter. 
Thank you for your prompt attention to this complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have never conducted business with Capital One in regards to these specific accounts, nor have I ever applied for or received any credit cards or loans from them related to these accounts. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that Capital One : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to Capital One related to these accounts, and any attempts to collect payment are unwarranted and unwelcome.

Company response to consumer: Closed with explanation