vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: Kovo
State: MS

Complaint narrative:
Kovo stated I signed a contract on a installment loan which is not true and was never told to me until XX/XX/2025 and once I requested for them to be removed from my credit they asked for an addition XXXX stated thats what I owe and i asked what the reason i owe that amount Heres a sample dispute letter you can customize and send to Kovo or the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2025 Kovo Customer Support XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX Dispute of Account : XXXX Dear Kovo Customer Support, I am writing to formally dispute the accuracy of the information reported by Kovo to the credit bureaus regarding my account. I believe the negative report is inaccurate and does not reflect my actual financial obligations or the services/products I received. 



Specifically, I dispute the claim that I owe {$150.00}. To my knowledge : I canceled this account before incurring any charges. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide detailed validation of this debt. Please send the following documentation to verify the accuracy of this report : XXXX. A copy of the signed agreement authorizing the charges. 

XXXX. A detailed breakdown of the amount owed and how it was calculated. 

XXXX. Any proof that I received the credit-building service tied to this debt. 



If you can not provide sufficient evidence, I request that this account be marked as resolved, and any inaccurate reporting to credit bureaus be removed immediately. 



Additionally, if this matter can not be resolved amicably, I may escalate my dispute to the credit reporting agencies or seek legal guidance to protect my consumer rights. 



Please respond to this dispute in writing within 30 days. You may contact me at [ Your Phone Number ] or [ Your Email Address ] for any clarifications. 



Thank you for your attention to this matter. I look forward to resolving this issue promptly. 



Sincerely, XXXX XXXX Let me know if youd like further adjustments!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX  XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX - The following personal information is incorrect - The personal data reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have been on hold with Mohela trying to get a hold of them to be able to change my IDR plan and to speak about forbearance. I was put on with an agent 2 hours in who said they needed to upgrade my call to an advanced agent, ( they always say this to me no matter the call ). I was then told itd be a 4 hours 40 minute wait. It has far exceeded that and I have been on hold for over 11 hours total. I can not reach them to even update my account and loan type.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Per the CFPB Law all information on my credit report should be 100 % accurate, 100 % verifiable, and 100 % timely. I have found multiple errors in my personal information section on my report. I have contacted the credit bureau to get this updated as soon as possible and I have yet to see that happen.

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 2025-01-28 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
XXXX  XXXX  attempted unsuccessfully to process a charge for {$590.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Account also had a stop payment order that was issued by Discover on XX/XX/XXXX through XX/XX/XXXX, On XX/XX/XXXX, Discover closed the account and issued a new credit card that was received on XX/XX/XXXX, and promptly activated. Additionally, on XX/XX/XXXX, Discover extended the stop payment until XX/XX/XXXX against the XXXX XXXX. On XX/XX/XXXX, XXXX XXXX successfully processed an unlawful charge for {$590.00}, which was promptly opened as a Fraud Case. I was informed today that the Case # that I was provided is not a valid Case #, and here is where the diversion, obstruction, and obfuscation commences. Additionally, I have been a Cardholder for 34 years, and have never been treated this disrespectfully. I am also a Senior, which enhances this credit card fraud incident to Elder Abuse Fraud & Exploitation of a Protected Class Member. I am also in the XXXX Protected Class, since I am a XXXX XXXX XXXX, and over the last 3-Days, my XXXX  has been difficult to control. This incident is also a repeat of the same incident that occurred during XX/XX/XXXX, which I successfully disputed, but this time, it appears that they're attempting to keep kicking the can down the road to extort {$590.00} fro, m me for a service that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
am filing a complaint against Cash App ( Block , Inc. ) due 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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Did a dispute and got rejected. 
Requested validation letter and proof that I am responsible for the debt. Amount and dates of the debt.

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 2025-01-28 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: GA

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. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX XXXX {$25000.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Against Ally Financial Regarding Unlawful Repossession Dear CFPB I hope this message finds you well. I am writing to formally file a complaint against Ally Financial concerning the unlawful repossession of my vehicle and the distressing circumstances surrounding it. 

As a single mother, I have always made every effort to meet my financial obligations and communicate effectively with my creditors. Unfortunately, my recent experience with Ally Financial has left me in a very difficult position. 

Prior to my hospitalization, I reached out to Ally to discuss the possibility of deferring my payment until I was able to return to work. I had no way of knowing that my hospital stay would be extended, which ultimately led to my inability to make a timely payment. 

On the day I was released from the hospital, my vehicle was repossessed from my driveway while I was inside for just a few minutes to retrieve money to settle my debt. This repossession occurred despite my immediate attempts to rectify the situation by contacting Ally Financial. It took three days for them to inform me of the location of my vehicle, during which time I was left without transportation and under considerable stress. They also required me to fill out a form for the repossession, as the vehicle is registered under my business name, further complicating matters. 

Ally Financials actions during this time were not only unprofessional but also appear to violate my rights as a consumer. I feel that the repossession was conducted without proper notice or consideration of my circumstances, particularly given my medical situation. 

I am attaching a recording of my interactions with Ally Financial for your review, as well as any relevant documentation that supports my case. I believe that their practices in this matter warrant further investigation and potential legal action. 

I appreciate your assistance in addressing this matter and look forward to your prompt response. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I disputed inaccurate information on report in XXXX of 2024. No full investigation was made. I do not have any business or contract with them.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of multiple data breaches, and some items on the three credit reporting agencies are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of multiple data breaches, and some items on the three credit reporting agencies are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX I deposited a tax refund check of the amount of {$3600.00} that I received through the mail by the United States Department of Treasury ( IRS ) to my XXXX XXXX XXXX Account. 

On Thursday, XX/XX/XXXX, when I attempted to login to my account, I was unable to view my account via XXXX  XXXX and when I attempted to use my debit card it declined. I called the bank on Thursday and they said that my account was flagged because I deposited this check. I verified with them my identity, where the check came from, who it came from, and that I received it by mail. I also pointed out that it is a Tax refund check sent to me by the US Department of Treasury which all of that information is found on the image of the check. They said it will take XXXX for them to review my account. I decided to called them on Monday, passed the XXXX hours mark and I called the bank was informed that Citi has decided to close my account because I violated their term. I was only notified because I called. No email or text alert did I receive with this update. 

They said it will take XXXX to XXXX  days for the process to be complete. However they are withholding all of my funds including the money that I already had in the account ( about XXXX ) prior to depositing this check. I have no access to the account and am unable to pay any bills. 

I spoke to multiple people on the phone, sent to different department. They all repeated the same thing. All read from a script, no actual person from this country. They all sounded like they work in a call center outside the United States., In addition during my phone call, I asked if the check that I deposited has been cleared and they said no. However when I checked on the US Department of Treasury, using their Treasury Check Verification System ( TCVS ) it confirms that the check is legitimate and also that it has been cleared and deposited to my bank account. Status shown as paid, see attached. 

However withholding all my funds, even money that was already in my checking and savings account prior to me depositing this check is unethical with no real verification or proof that I committed fraud.

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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a purchase with bel furniture and the furniture was damaged, they also cause damages to my home and they just never responded use every excuse in the book to not acknowledge any issue. Synchrony home credit card has been unable to assist with the dispute they side with them and asked me for a lot of things that at the end does not resolve the case. I never get the dispute results, I do ask for paperwork they do not respond and at this time XXXX cant continue to pay something that was sold fraudulently to me. No one helps me. 
The furniture company never responded to me u til after XXXX months, I also have a warranty that they at this point violated the terms of that. I am attaching emails of the supposed person that contact me and has ignored me. Also a letter that the bank requested from the sales person. 

I have witnesses my XXXX  was with me and my XXXX  was at the time of all this things have happened, etc. I just want my money back and be treated with dignity, synchrony is handling this poorly

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX at XXXX, called Capital one to remove an account that was closed to make sure that recurring payments come from another checking or credit card account, I see that my credit card account was in restriction, no reason was stated which cause me to call and see why my account was restricted. After talking to two of the representatives ; 1 regular account support that transferred me to 2nd representative from the Fraud department, that stated that insufficient funds from two accounts that have the money that was supposed to be posted from XXXX which was arranged for XXXX again that was never posted and/or removed from the account. As of today, there was no letter sent to my mailing address. I had problems with Capital one Auto, and their cards before from being a victim of theft back in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received two letters from Wells Fargo Bank dated XX/XX/XXXX, informing me that a custodian Money Market Account for my daughter, who is a minor, was being delinked from my checking account since I was not listed as an owner on the account and that she was not listed on my checking account. The letter made no mention of it being because it was a custodian account. After making XXXX phone calls to Wells Fargo, XX/XX/XXXX and XX/XX/XXXX. I complained about the delinking and asked for a more specific letter that stated that this delinking was due to the fact that it was a custodian account. No letter was ever provided by Wells Fargo. Wells Fargo states that they will waive fees for XXXX months. 
I called Wells Fargo on XX/XX/XXXX, to inquire on how my daughter can avoid fees, since her account is no longer linked to mine. I specifically asked why the fact that she was between the ages of XXXX and XXXX was not a way to avoid fees, since the reason for the delinking was due to it being a custodian account. I was told that this type of account did not include the age as a factor in avoiding fees, that the only ways was to maintain a {$2500.00} daily balance and/or to have transfers from a linked checking account. Wells Fargo to want it me to change this type of account, which is also a grandfathered account opened more than XXXX  years ago.

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