vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank ( XXXX ) regarding a refund check that I was supposed to receive XXXX months ago. 

In XX/XX/2023, a refund check of {$670.00} from XXXX XXXX that i financed through Synchrony Bank was being sent to me. However, despite many calls to customer service for months, I still have not received it. Every time I call, Im told the same thingthat the check is on the way and to call back if it doesnt arrive. A matter of fact, i was informed that the first check was actually sent out address that didnt exist and that the next XXXX checks they sent out were sent to the right address. This has gone on for months with no real resolution. 

I have asked multiple times for proof that the check was actually issuedsuch as a tracking number, check number, or mailing confirmationbut I have not been given any clear answers. At this point, I need this issue resolved immediately. 

I am asking that Synchrony Bank either : 1. Provide documented proof ( check number, mailing date, and tracking information ) that the check was issued, OR 2. Reissue the refund and send it using a trackable, expedited mail service.

It is completely unreasonable for a refund to take this long, and I feel that I am being given the runaround instead of an actual solution. If this isnt resolved promptly, I will have to consider taking further action.

I appreciate your help in getting this sorted out.

Requested Resolution : Either provide proof that the check was sent or reissue the refund immediately.

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 2025-03-14 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: TX

Complaint narrative:
I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report despite multiple attempts. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress, and as a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-03-14 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: MOHELA
State: CA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full.

This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CT

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 non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX XXXX My cash app account was locked.I received my tax refund XX/XX/XXXX of 2025 the amount of {$8000.00} .They locked me out of my account and I called on XX/XX/XXXX, they couldnt give me a good enough of a reason as to why I couldnt access my funds for XXXX hours this caused a major delay in me paying my light bill which resulted in my light getting cut off. & when I went to log back in it created a whole new account without my funds.All I was told by a representative was that they just wanted to lock it for security purposes but any other time I received my deposits just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-14 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: MO

Complaint narrative:
The Federal Government has failed to protect the information pertaining to student loans for myself as well as millions of other people. XXXX XXXX and his XXXX. team do not have the clearances from the Government or permission from me required to access my federal student loan data. This is an illegal action that breaks the contract between myself and the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/year>, I called the XXXX XXXX and asked them to transfer funds from my old account to my newer account. My old account had fraudulent charges on it so i was in the process of closing it .... In order for me to get the funds in my old account transferred to my newer account I had to call the XXXX XXXX to transfer these funds from my old account. In the process of this, the XXXX XXXX informed me that my newer account was under investigation for fraudulent transactions and is being closed. I have been a customer of US BANK for more than XXXX years. I have had NOTHING fraudulent happening with my account. US Bank is closing my accounts without cause and without contacting me and letting me know it was under review. I am on XXXX and rely on that income. Now I may not be paid until a month later due to US Bank closing my account without cause. No information has been provided to me as to what they considered fraud so I could defend myself and any transactions they had issue with.

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 2025-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I was emailed a collection letter for {$1000.00} by the collections department of XXXX XXXX  XXXX XXXX. Each and every day before since the last payment and loan assessment date, the letters stated clearly {$960.00}. 

On XX/XX/XXXX the amount added was {$85.00}. 

There have been no NSF transactions, no bounced payment, no other fees and their late fee is {$5.00} in XXXX  day increments. The late fees do not accumulate for a later date. They are paid with the amounts of total payment when the account is brought current thought the loan experience. 

The collections department added {$85.00} to the total amount due and there is no {$85.00} owed in addition to the current balance. 

The balance is {$960.00}. 

They also argued about the email address in the collections department, and refused to put a supervisor on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with this identity theft issue since I was released from prison and its been almost two years since I figured out that my brother in law stole my identity while I was incarcerated. Little did I realize that this criminal has been using my personal information to gain monetary compensation, not only did he use my social security number fraudulently to work but he also opened up credit card lines for a bank account with XXXX XXXX XXXXXXXX and he used and abused my personal information without having to deal with the consequences of his crimes, he left me with a debt with the XXXX  for about {$21000.00} that the XXXX is garnishing from my Tax Refund. Due to his criminal behavior I have not been able to receive any of my taxes for the past two years and I truly dont believe that he should get his way with it because he has not paid for his actions and chooses to not be accountable for his crimes. I have been struggling do to this and I want him to be prosecuted for breaking the law. I have a plethora of evidence against him and everyone else who is covering up his actions. I filed a police report against identity theft before I found out who was responsible for all the fraud, I filed a report with the CFPB and the FEDERAL TRADE COMMISSION and I also filed so many disputes to clear up my name and identity from all the damage that hes inflicted in my life because it is stressful when I am the only one suffering from another persons crimes. I filed an identity theft affidavit as well but I have not seen any justice concerning my case. Can someone please help me with this matter because I am being treated like a criminal for someone elses actions and while Im getting my taxes garnished for this criminals fault, he is still in the country illegally and enjoying the perks of not having to pay for his crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Claim number XXXX I received an email that the temporary credits for all transactions in this claim have been made final, withthe exception of {$870.00} on XX/XX/year>. The documents for this transaction are shown in the original attachments ( bank statement and email from the merchant ). I have attached them again and sent them to Capital One claims department via email. 

These documents will need to be reviewed to make the credit final for this transactionas well to stop my account from being debited on XX/XX/XXXX. I look forward to a prompt response and resolution in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 explanation
Consumer complaint received 2025-03-14 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: IN

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: SC

Complaint narrative:
My loan servicer failed to contact me following during the XXXX month post graduation. This caused the passing of my first payment or time to file a income driver repayment plan. This must have been due to an issue in their end. They in sometime between XXXX and XXXX destroyed the portal and for some reason likely because its destruction of the website I was not able to log in or be contacted due to a reverted contact information. I called and updated my info in XXXX around XXXX. Failure to contact me with updated info, inaccessible portal, and excessive wait times, currently up to XXXX hours, made it impossible for me know that the payment was due nor what the payment amount was, over {$900.00}. I filed for a IDR around the XXXX of XX/XX/XXXX, and am still awaiting a response. After XXXX the loans are supposed to be placed into forbearance. They expect a payment on XX/XX/XXXX which is in direct opposition to what they are saying on their website. Let it also be noted they are impossible to get a hold of making it impossible to ask questions. On XX/XX/XXXX i sat on hold for four hours and in calling today it is up to XXXX hour estimated wait time. It was a failure on their behalf that caused this issue intially, and thsy habe refused to assist in the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint against GoodLeap regarding my solar loan, which was taken out to finance a solar energy system installation. My contract explicitly included labor costs for repairs and warranty services, but my solar installer ( XXXX XXXX ) has since declared bankruptcy and is no longer able to fulfill these obligations. Despite this, GoodLeap continues to demand full loan payments, even though the contracted services can no longer be provided. 

Key Issues : 1. Breach of Contract : My contract included labor and repair services as part of the total loan amount. The installers bankruptcy has rendered these services unavailable, yet I am still being forced to pay for them. The contract explicitly states that if XXXX were to become insolvent, I could void the agreement. 
2. Unfair Lending Practices : GoodLeap is enforcing loan payments for a service that can no longer be fulfilled, which constitutes an unfair and deceptive practice. The contract I signed was based on the understanding that I would receive both equipment and ongoing service. 
3. Failure to Provide Consumer Protections : GoodLeap has refused to offer a loan adjustment, suspension, or cancellation despite the material change in circumstances. This leaves me paying for a system that is not fully functional and lacks promised maintenance. 
4. Deceptive Financing Terms : Had I been made aware that GoodLeap would continue to enforce payments regardless of whether the installation company upheld their obligations, I would not have agreed to the loan terms. This misrepresentation constitutes a deceptive lending practice. 

For context, my inverter has already been replaced two times prior to XXXX becoming insolvent. If this were to happen again, it would cost me thousands of dollars in out of pocket expenses. 

I also currently have one panel that is not producing any energy, and GoodLeap denied loan relief when asked about it via telephone. They said they would evaluate each malfunction on a case by case basis. 

I firmly believe GoodLeap is trying to run out the statute of limitations in order to prevent me from getting relief. 

Its also been brought to my attention that both the state of Minnesota and the CFPB have investigated GoodLeap for deceptive financing practices. 

I believe this situation violates consumer protection laws and urge the CFPB to further investigate GoodLeaps practices regarding solar financing. Many consumers in similar situations are left paying for incomplete or unsupported solar installations, and action is needed to hold lenders accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank initializes contract while a patient is in a XXXX XXXX  to start with. 
At the time they disclose payment and a XXXX interest if paid within 24 months but they fail to disclose verbally, in writing or by signed agreement that the payment you have agreed to does not cover the amount required. They post agreement notify you of this on the 1st bill by a date which is after terms have been agreed to. This is a clear bait and switch practice regarding payment terms with a clear intent for deceptive lending practices. The balloon date was also not clear coming up to the date of interest balloon. At the time of balloon, a XXXX interest payment was added to a XXXX  balance. When the bank was contacted the desire was to make this payment in full to avoid the interest payment. When confronted with the issue of failure to disclose this practice at the time of agreement they only stated the notification was sent on the first payment and that I had the right to ask for more information at the time of agreement. I am of full capacity and was mislead by this practice. They in my experience intentionally hid behind small writing buried in a monthly statement without providing a full amortized option, or proper disclosures prior to agreement so that the actual payment was clear

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some incorrect information on my credit report. 
Like the incorrect address and names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I submitted an identity theft report to Experian, including a police report and an ID theft affidavit from IDtheft.gov. Despite providing all required documentation, Experian failed to conduct an appropriate investigation. I received XXXX conflicting emails within XXXX XXXX  stating that results were pending and another stating the investigation was complete. The results indicated no changes from the previous report, suggesting no investigation was performed. 

I have since sent multiple follow-up letters, including a fourth attempt on XX/XX/year>, consistently providing the requested documents ( identification and a utility bill ). However, Experian continues to request the same documents I have already submitted multiple times. I am seeking a proper investigation and resolution of this matter.

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