vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX for, they sold me a lemon. The car broke down a week after purchase, the manager stated he was not fixing the vehicle and he will not fix it and if I bring it up there he will not fix it. I had the car towed up to the lot. Informed Ally of the situation and asked was it too late to return the amount of loan no response. Now they are reporting a balance on my credit for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was a victim of identity thefts. I have no knowledge of this account this account has been on my credit for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) dur to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair snd deceptive, as they did not comply with error resolution requirements under the Electronic. Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) today sued Acima and its former lending activities in connection with as many as XXXX XXXX consumer financing agreements. The CFPB alleges Acima used deceptive dark patterns and other tricks to trap consumers in high-cost credit agreements to finance the purchase of household goods. Acima sought to disguise many of these credit agreements as leases to evade consumer financial protection laws. Due to Acimas deception and obstruction, many consumers did not understand they were agreeing to expensive markups, exorbitant finance charges, and having few ways to escape their contracts. The CFPB is asking that the court order the defendants to forfeit the illegally obtained profits, give refunds to consumers, and halt their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I found on my credit report that a collections account has been opened under Contract Callers for a debt owed in the amount of {$1000.00} as of XX/XX/year>. I reviewed the information and found inaccuracies in the claim, and I have no record of such an account or transaction in the months they claim an account was open and past due with XXXX XXXX XXXX  XXXX. Therefore, this debt is not valid or correct. I contacted the original creditor and they directed me to the collections agency, which has yet to provide proof to validate this debt. I will be disputing this charge immediately for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DigniFi
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a closed account that remains on my credit report, which I believe should be removed. Despite my efforts to resolve this directly with XXXX XXXX XXXXhe issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-23 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: TN

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 non-monetary relief
Consumer complaint received 2025-01-23 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: TN

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to Principal is Notice to Agent-Notice to Agent is Notice to Principal This is a form of " Conditional Acceptance '' to the commercial estate of XXXX XXXX XXXX to exemplify the falsehood and misrepresentation, observed as defamation of character ; but the allowance of the said debt to the property will stand unless proven false : -Under the Privacy Act of 1974 prohibits agencies to deny the rights and benefits or privileges of the individuals who refuse to disclose their Social Security Number. Please provide evidence that this didn't occur -That the said debt in commercial-estates or was signed with a wet inked signature allowing third party agencies to tamper, adjust, collect and infringe upon the estates private secured common law copyright consumer protection obligations through unlawful debt. Breach of contract. 

- Please provide that evidence that the Secretary of Treasury isn't responsible for paying interest on the public debt of the United States and that the commercial public estate wasn't already offset and discharged. 31 U.S. Code 3123 -The Federal Law doesn't protect US consumers, or naturals from abusive, unfair, or deceptive collection practices by third party debt collectors such as Experian XXXX XXXX XXXX XXXX XXXX 

- Fair Debt Collection Practices Act FDCPA isn't passed by Congress to Protect the consumer ( beneficiary ), can't be liable/responsible for damages.

- That 611 ( 15 U.S.C. 1681 ( 1 ) and isn't in accordance with the accepted STANDARD of metro 2 data field reporting. The information has been proven to be true, correct, or verified.

-Please provide evidence that under15 U.S.C. 168i ( 7 ) that the methods of verification of this account ( s ) weren't in violation and wasn't reported without valid evidence. The commercial estate.

- Please provide evidence that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't apply to the Consumer Credit Fair Trade. Please share that the XXXX XXXX trademark XXXX isn't a trademark. 

-Please provide evidence that a common Law copyright refers to a legal doctrine that grants copyrights protection to the original work of authorship and the commercial estates name isn't copywritten. 

- Please provide evidence where the Resignation of Registered Agent Affidavit filing and recording has n worthiness with the Consumer Financial Protection Bureau. 

- Truth-in-Lending Act, a creditor a defined as : A natural person, business, or financial organization that services mortgages loans. A natural person, business, or financial organization that regularly extends credit to consumers.

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 2025-01-23 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: PA

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, and XXXX responds stating the report is accurate without providing any evidence of a thorough investigation. This violates the FCRA, 15 U.S.C. 1681i.

It may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in CFPBs recent admin proceeding ( File # XXXX ) against them for similar violations. 
I request the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumer with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-23 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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 2025-01-23 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: MD

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted all three credit bureaus advising them I was a victim of identity theft. I asked for a freeze to be place on the account with transunion, I left the freeze on for 6 months. I needed financing for a home, and needed the freeze remove. I called and they stated they was unable to remove my freeze. I needed to log on to the system XXXX complete the transaction. I was unable to complete that because the site had issues and was unable to locate my information. I spoke to a representative and stated the freeze was lifted for thirty days. I applied for the home and was denied, they never released the freeze.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
I purchased an item through XXXX. I returned the product and due to their wait time for the funds to be refunded I opened a dispute with my bank. 
XXXX received the product and I provided proof on this and my bank is still saying there was no error. 
The denial reasons show the item was not returned but I verified with XXXX numerous times on the product being returned and even provided the return tracking information. 
XXXX is unable to issue the refund due to the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Collection account from TRANSWORLD. The original creditor is FLORIDA XX/XX/XXXX 
I never had a contract with this debt collector for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Experian has inquiries on my report I have never done or had any knowledge of. 

Accounts : 1.XXXX XXXX XX/XX/XXXX/2024 2.XX/XX/XXXXXX/XX/XXXX2024 3.XX/XX/XXXX of XXXX XX/XX/XXXX2024 4.XX/XX/XXXXXXXX XX/XX/XXXX/2024 5.XX/XX/XXXXXXXX XXXX XXXX/XXXX/2024 6XXXX XX/XX/XXXX XX/XX/XXXX24 7.XX/XX/XXXX XX/XX/XXXX2024 8. XX/XX/XXXX XXXX/XXXX/2024 9. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX2024 10. XXXX XXXX XXXX XXXX/XXXX/2024 11.XX/XX/XXXX XX/XX/XXXXXXXX/XXXX/2024 12.XX/XX/XXXXXX/XX/XXXX/2024 13. XX/XX/XXXX XXXX/XXXX/2024

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Inaccurate information on my credit report I am writing to formally request verification and investigation of certain items on my credit report pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). I recently reviewed my credit report and noticed information that I believe may be inaccurate or unverifiable.

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