vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I was offered XXXX XXXX XXXX XXXX trial for a new home internet device for one month. After using it for a few days, I decided not to continue with it and wanted to return it to XXXX. I called XXXX to request a return label, but after waiting for a week and not receiving it, I requested it again. XXXX still did not send me the return label to mail the device back to them. 

At the beginning of XXXX, I received a new bill from XXXX for the internet device. I contacted XXXX and explained that I hadnt been able to return the device because they hadnt sent me the return label. I asked them to send it again, and I promised to return the device as soon as possible. Despite contacting them multiple times, they didnt send the label. Instead, they referred me to a corporate store to handle the return. 

I went to the corporate store, and they printed out a return label for me. I mailed the device back to XXXX via XXXX. Later, I contacted XXXX, and they confirmed that they had received the device in their warehouse. I asked them to remove the balance from my account and fix my credit report. XXXX assured me they would resolve the issue. 

However, after a few months, I received a notification from a " Sequium '' collection company regarding the balance. I contacted XXXX again, and they confirmed that a due balance had been reported to collections. When I asked them to remove the balance, they told me they couldnt do it because my account was no longer active, and I would need to dispute the matter with the collection company. 

I emailed the collection company to dispute the charge and provided all the evidence I had, but nothing was resolved in the following months. I need this balance removed because I dont owe any money or devices to XXXX XXXX and I need my credit report corrected. Instead of move forward with my dispute case ( refereal number is XXXX ) they offered me the settlement. I said that I don't need the settlement because I don't owe anything to XXXX. They just dropped the phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The Wells Fargo atm machine near me has been broken for over a month and I and my XXXX  friends have to drive across town to use another one. This has happened before and they say they dont have the part to fix it.

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 2025-01-29 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 ) due to inadequate customer service and unfair practices, which violate the customer 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 2025-01-29 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I want reported accounts removed credit collections XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I paid off my XXXX  auto loan an the account is still reporting a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I paid off my santander auto loan an the account is still reporting a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid off my XXXX  auto loan an the account is still reporting a balance

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 2025-01-29 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments : Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. 

It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX-Account # XXXX XXXX XXXX Account # XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay./ I want the CFPB to publish this description on consumerfinance.gov

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 2025-01-29 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: PA

Complaint narrative:
I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX BALANCE : {$450.00} ACCOUNT NUMBER:XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/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 2025-01-29 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: PA

Complaint narrative:
I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX BALANCE : {$450.00} ACCOUNT NUMBER:XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.

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 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The company ( XXXX XXXX ) believes they set up service starting on XX/XX/2024. But service was never enabled. Many attempts to resolve this issue were made through the month of XXXX. I called to close the account in XXXX. The company sent me many bills all varying in cost. An itemized breakdown of the cost was requested and never provided. A dispute for the billing amount was created multiple times and reject multiple times by the company. Many attempts were made to explain the situation and each time a call back was requested by me. No call backs were received. Letters were received by my threatening to send this issue to debt collection. More attempts to call and resolve this issue were made but the company refused to discuss the dispute. I received a letter from a debt collection company notifying me that my personal credit report will be affected. I finally called the debt collection agency after XXXX came to my home today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I started out as an XXXX  XXXX  customer in XXXX, with a high yield savings account ( XXXX  ). XXXX XXXX was subsequently acquired by Capital One and my XXXX  was renamed a Capital One 360 Savings account and the communication at the time was that everything would " stay the same. '' However I discovered in XX/XX/XXXX that Capital One was offering a similarly named product ( Capital One 360 Performance Savings ) that was providing a significantly higher interest rate, as my XXXX  was supposedly doing. Upon inspection, I noticed that the interest on the Capital One 360 Savings was no longer offering a competitive rate and had in fact been stagnant at 0.30 % for nearly 2 years prior to that!! The rate did not automatically increase as it had in the past and because of this, I was not earning the interest I thought I was. Converting the existing Savings account to a Performance Savings account was not an option, so I immediately created a brand new Capital One 360 Performance Savings account and transferred most of my funds to the new account to get the higher interest. I just saw the lawsuit that CFPB brought forth and want to ensure I am covered as I was duped out of thousands of dollars in interest due to this deceptive practice and the unfulfilled promise of offering Capital One 's best rates for the product in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
On or about XXXX TransUnion interactive inc.failed to place or remove multiple security freeze/lock and was left for months or even years in violation of the fair credit reporting act and was unfair in violation of consumer financial protection act of 2010 ( cfpb )

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 2025-01-29 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: 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.

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 2025-01-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that XXXX, TransUnion, XXXX show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.

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 2025-01-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that XXXX, XXXX, Equifax show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I reached out to Spring Oaks because I received a piece of mail saying I owe money and I wanted to make it right. Upon further review of my credit report, I realize the spring oaks is a third-party who is attempting to collect a debt that I believe was charged off already. I have asked them for more information and have not retained it yet. I would like to confirm that the original charge was not charged off. Ive already paid this company {$89.00} and Im not sure its owed at all if it is not old, I would like a refund check sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
There has been a bankruptcy disclosed on my credit report, that should not be there, this took place in XX/XX/year>. After some phone call inquires, credit bureaus did state I would have to appeal before removing the bankruptcy. To my understanding it is not to br reported.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
In accordance with my rights under state and federal fair debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all oral and written communication with me, as well as my family and friends, regarding any and all alleged debts you claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed my current address was incorrect on my equifax credit report. I sent them a copy of my drivers license ; foid card ; mortgage statement and declaration page of my homeowners and car insurance and they keep sending the claim back that my address is correct while all the information I submitted says otherwise. My concern now them sending corresponding information to that wrong address potentially causing identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that Experian, XXXX, XXXX show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.

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