vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
So I ordered a product from XXXXXXXX I got tracking number that is provided in the screenshot I submitted. When I went to check my order on their website it said that this store is closed. So pretty much I got scammed. So I filed a dispute and cash app said that they found nothing wrong. But I never received the package. When you track it says that it went out for delivery on XX/XX/XXXX and got delivered on XX/XX/XXXX. So it went out for delivery from XXXX and delivered to XXXX  but it take two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I filed a dispute on account # XXXX, XXXX XXXX XXXX XXXX due to the payment never being late. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased parking garage ticketson XXXX. There was a clear picture of the garage and it was labeled parking garage D. The map of the garage is a REAL parking garage d. As soon as I purchased it switched to parking lot d... .this is a lot further away and not what I agreed to. XXXX customer service said since I had no screenshots of what I bought they wouldn't refund or even look into the seller as it was impossible for them to change what I got after I purchased. So I bought them again and took screenshots showing the garage in question before buying. They still denied it and one representative even said well its in the same city and close enough. It was further away, in a dark and secluded spot. I purposely paid extra for the covered garage so it was safer and more secure. I find this extremely misleading and I don't understand how its legal. They put all over their website and as you purchase that they guarantee your purchase... .but bait and switched me afterwards. I would just like a refund for the tickets as the lot was only {$9.00} and not busy as it was super far away from the concert. There was no need to purchase that lot and they scammed me into thinking it was a closer more secure garage. I had to walk at night alone further away then planned to a dark, unsecured lot ( nobody was patrolling the lot after the concert ) because they refused to refund me {$41.00}... XXXX also denied it even though I have proof. They closed dispute before i could even show all the proof just automatically sided with 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 2025-03-13 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: OH

Complaint narrative:
Ive disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all accounts were settled. Trans union updated my account as in collections incorrectly. So has Experian and Equifax. All accounts have been settled.The balance for all accounts show be reporting XXXX and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
Ive disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all accounts were settled. Trans union updated my account as in collections incorrectly. So has Experian and Equifax. All accounts have been settled.The balance for all accounts show be reporting XXXX and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 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 2025-03-13 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: MN

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my credit report as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the deletion of collections and late payments associated with my credit file based on violations of federal law. Account information as follows : Company : Wakefield & Associates Acct # : XXXX Amount : {$4600.00} Legal Basis for Dispute 1. Violations Under 15 U.S. Code 1692c Under this section, a debt collector is prohibited from communicating with a consumer in connection with the collection of any debt at an unusual time or place or in a manner that is unreasonable. If these provisions were violated during the collection process related to my account, it warrants the removal of any negative reporting.

2. Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports.

3. Violations Under 15 U.S. Code 1681e ( b ) This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. If there are inaccuracies due to improper investigations or failure to verify debts accurately, I request that you delete all related entries from my credit report.

Evidence of Improper Investigations Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) highlight systemic issues within both XXXX and XXXX regarding their handling of credit reporting errors : CFPB Orders XXXX to Pay {$15.00} XXXX : The CFPB found that XXXX had engaged in improper investigations concerning consumer disputes over credit reporting errors, leading to significant inaccuracies in consumer files. 
CFPB Sues XXXX : Similarly, the CFPB has taken legal action against XXXX for conducting sham investigations into disputed credit report errors, which further undermines the reliability of your reporting processes. 
These findings indicate a pattern of negligence that directly impacts consumers rights under federal law. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I lost my serve pre-paid card with a couple of other things and it had my pin wrote down very small on separate paper so I filed dispute for unauthorized charges to my card now this is first time I've ever banked with this company I got this card through my tax it had my tax return deposited to this card by tax preparer so on XX/XX/XXXX {$400.00} was stolen for a company called XXXX XXXX dispute # XXXX XX/XX/XXXX XXXX XXXX {$27.00} Dispute # XXXX XX/XX/XXXX {$4.00} XXXX Dispute # XXXX XX/XX/XXXX {$15.00} Play XXXX Dispute # XXXX XX/XX/XXXX {$22.00} XXXX Dispute # XXXX XX/XX/XXXX {$140.00} XXXX Dispute # XXXXXXXX XX/XX/XXXX {$65.00} XXXX Dispute # XXXX XX/XX/XXXX {$28.00} XXXX Dispute # XXXX XX/XX/XXXX {$240.00} XXXXXXXX  Dispute # XXXX XX/XX/XXXX {$87.00} XXXX Dispute # XXXX XX/XX/XXXX XXXX Dispute # XXXX XX/XX/XXXX {$8.00} XXXX Dispute XXXX XXXX XX/XX/XXXX {$90.00} XXXX Dispute # XXXX XX/XX/XXXX {$16.00} XXXX Dispute XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX Dispute # XXXX XX/XX/XXXX {$300.00XXXX XXXX XXXX dispute # XXXX XX/XX/XXXX {$200.00} XXXX Dispute XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX Dispute # XXXX XX/XX/XXXX {$100.00} XXXX XXXX Dispute # XXXX XX/XX/XXXX {$200.00} XXXX XXXX Dispute # XXXX XX/XX/XXXX {$200.00} XXXX XXXX  Dispute # XXXX XX/XX/XXXX {$200.00XXXX XXXX XXXX Dispute # XXXX XX/XX/XXXX {$200.00} XXXX XXXX Dispute # XXXX I filled disputes on everything here but they denied my claim I am a single mother they said they denied my claims I feel this company did not look into this thoroughly enough I had my taxes stolen and I thought this company would do a far investigation I also requested the findings of their conclusion but i have not yet received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into an agreement with XX/XX/XXXX to finance my aligner treatment, with payments made to XXXX XXXX XXXX. The contract states " On this date of XXXX_for valuable consideration received, the undersigned Buyer and/or Co-Buyer ( hereinafter collectively referred to as Buyer ), jointly and severally unconditionally promise ( s ) to pay for services provided by XXXX ( Provider ) on behalf of its affiliates the sum of $ XXXX plus a finance charge at an annual rate of _17.96_ %. Payments are made to Healthcare Finance Direct, LLC ( XXXX ) as payment processor for XXXX. Your payment will appear on your statement asXX/XX/XXXX. '' From that point up until XXXX of XXXX, I was current on my monthly payments of {$84.00}. In XXXX of XXXX, I began having issues with my aligners ; they were not fitting correctly. I had to go get my teeth re-scanned to make a new set up aligners. At a certain point the new set also began not fitting. I requested a to get rescanned, but XXXX refused to pay for the new scan because I didn't pay for the final product ( the retainer ) at a certain time. I tried explaining that it made no sense to pay for a retainer that was based on a teeth scan destined to not fit, and that ultimately I would have to get rescanned anyway. They said it I had to have paid for this retainer in order to remain under warranty for a rescan anyway. This back and forth was in the beginning of XXXX. In XXXX, when I was planning to go into the XXXX office to get scanned ( which is the only location within a XXXX miler radius in XXXX ) I found out it closed down. I lost hope and stopped making payments, and in XX/XX/XXXX I received my first notice from XXXX XXXX XXXX ( XXXX ) that I missed a payment. Then I got notice that XX/XX/XXXX file forXX/XX/XXXXXXXX bankruptcy in XX/XX/XXXX. Every XXXXne and a while I would get emails from XXXX saying I was passed due, and I assumed that since XXXX was no longer able to fulfill their end of the contract, that I didn't need to continue paying. In the last few months, I have gotten calls from an agency called XX/XX/XXXXt saying I still owed money. I tried explaining to the rep that XXXX filed for bankruptcy and hasn't been able to fulfill their end of the contract. He said I was still responsible. Now they have reported the debt to the credit bureaus and my score was dinged XXXX points. I have attached my contract with XX/XX/XXXX, and a screenshot of my statement summary with XX/XX/XXXX ( before I stopped making payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-13 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: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries.

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 2025-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several complaints about how your company resolved my company complaints and I DEMAND THAT MY FICO, EXPERIAN, XXXX, XXXX, AND XXXX MAKE CORRECTS TO MY PERSONAL AND BUSINESS CREDIT CREDIT SCORE AND REPORTS IMMEDIATELY. AND I WANT TO FILE CHARGES ON EACH CREDIT REPORTING COMPANY SUING FOR INCORRECT INFORMATION ON MY CREDIT PROFILE WHICH IS ILLEGAL DUE TO THE FAIR CREDIT REPORTING ACT AND IS PUNISHABLE WITH FINE UP TO {$1000.00} PER OFFENSE.

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 2025-03-13 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: NY

Complaint narrative:
I filed a dispute on account # { XXXX, XXXX XXXX  XXXX XXXX } due to the payment not being late. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-03-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I ask them to remove the inaccurate report from my account they said they was cause account been paid off or closed

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 2025-03-13 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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