vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025, I sent debt validation requests via certified mail to the following companies : Capital One Capital OneXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX verification of the debts they claim I owe, as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). As of today, more than 30 days have passed, and I have not received any validation or response from these companies. 

Despite this lack of response, some of these debts still appear on my credit report and collection attempts may still be occurring. Per the FDCPA, a debt collector must cease collection efforts until they validate the debt. Additionally, under the FCRA, the credit bureaus must verify the accuracy of reported debts or remove them if they can not be substantiated. 

I am requesting that the CFPB intervene to ensure that these companies either : 1. Provide proper debt validation, including original creditor information, itemized statements, and proof that they have the legal right to collect.

2. Remove unverifiable debts from my credit report and cease collection activity.

This failure to respond violates my consumer rights, and I request immediate action to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
The Mortgage company is reporting me late in XXXX, 2023 and XX/XX/year>2023. This is supposed to be removed. Forbearance was granted and I was advised that I would not be assessed lates on my credit report. This is impacting my ability to Refinance and the mortgage company sold my loan with the same 2 late dates listed unless they did omit this to benefit the mortgage transfer. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XX/XX/year> I received an offered form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CC for a balance transfer with 0 % for 18 months. I call and asked ( both ) if this would have any impact on my credit? I was told that this would actually improve my credit because it would show my other card paid in full, i mention that i need to make sure that this matter would not have a negative impact on my credit as i am trying to buy a house in the near future. at the moment I had a credit line of about XXXX with multiple CC. they in courage me to go out and spend some credit so that i could take advantage of this offer. I now have about XXXX in debts. even if I had not done this transfers I would not have a problem with beaning in debt XXXX. I have spoken to CC counselors and every one else they all agreed that this transfers are the core cause! As a person I feel used taking advantage off mislead, abused as a business owner I feel like this is entrapment first they make you an offer than they talk you into getting in more debt then they get there fee up front, then they sale you information to XXXX parties so they can come after you. THIS WRONG! I went from having a great life good credit to now having nightmares and been pursuit and stereo typed as been in debt every day i get calls for debt releif comp. same with emails and my media. as i have leard I am not the only person the is having to deal with this nightmare, No one cares this is just a business! I don't know what to do. but i will be pursuing this on all my media channels to make peoples aware of this..

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 2025-03-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
This complaint is in response to the debt collection company Columbia Debt Recovery LLC and its initial correspondence. This complaint is a final warning. This complaint is a comprehensive response and final warning. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' This includes credit reporting. The agency trying to go around the fact and it is frustrating to know that they know this but choose to not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RENASANT CORPORATION
State: CA

Complaint narrative:
Urgent Complaint Delayed Refund & Possible Fraud To Whom It May Concern, I wired good faith money for a transaction involving the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, along with XXXX XXXX ( XXXX XXXX, Government Guarantee Lending Officer, XXXX ) at Renasant Bank, assured me that the refund would be sent on XX/XX/XXXX. The property was supposed to close on XX/XX/XXXX, but the closing did not occur as the required conditions were not met. Today is the XXXX, and I have yet to receive the funds. Despite multiple follow-ups, they have not provided a valid explanation or proof of the wire transfer. 

This prolonged delay is causing financial harm, and I now suspect potential fraudulent activity. I kindly request your support in investigating this matter and ensuring my funds are returned immediately. 

Please advise on the next steps and provide an update as soon as possible. 

Best regards, XXXX XXXX Phone : 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 monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fe

derally protected consumer rights to privacy confidentiality under 15 USC 1681. Acco
unt name : XXXX XXXX account number XXXX, Account name : Child support XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fe

derally protected consumer rights to privacy confidentiality under 15 USC 1681. Acco
unt name : XXXX XXXX account number XXXX, Account name : Child support XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I 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 2025-03-17 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:
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 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 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank. As soon as the account was opened, I deposited a cashier 's check in my company 's name on XX/XX/year> from XXXX XXXXXXXX XXXX, in the amount of XXXX {$47000.00}. The next day the account was simply blocked and I had no right to access it. After that, I went to the bank every day trying to resolve the issue, and no one wanted to help me. On top of that, they treated me very badly. After several calls and attempts, on XX/XX/year>, an attendant told me that I needed to wait 7 business days for them to review my account. Today, XX/XX/year>, no one resolved my problem. Today, XX/XX/year>, they told me that they would not give me a deadline to resolve my account. Today, I do not know where my money is. I do not have access to the account. I went to three branches and no one resolved my problem. I spoke to more than 15 attendants. I called and no one helped me resolve anything. They didn't give me a set deadline for the review and they didn't release my money. 
XXXX XXXX XXXX Transaction Number : XXXXXXXX XXXX XXXX XXXX XXXX - TRUIST BANK INFORMATION : Account Number XXXX  Routing Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
The company is claiming I owe a debt that was already paid in full 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
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I'm filing a complaint against ( 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 proces 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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, Synchrony bank is once again calling my phone an obscene amount and leaving voicemails nonstop. I get anywhere from 15-20 calls from them a day, as well as voicemails. I have recently missed phone calls for job interviews/call backs because my voicemail box reaches its limit without me even knowing because of their obsessive and relentless calling. I had 197 voicemails in my inbox again today. Almost all from them- the moment I block one number they call from another.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
please remove inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter to Experian requesting a verification and accuracy of numerous information on my report that I discovered was not accurate and I requested a review and for them to check to make sure the information was correct and accurate.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Regarding Fraudulent XXXX Transactions and Chase Banks Failure to Reimburse Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding fraudulent XXXX transactions that occurred on my account and their failure to reimburse me for the funds that were stolen from me. 
In XXXX and XXXX of 2022, I was tricked by scammers posing as financial advisors into transferring a total of XXXX to individuals through XXXX. These individuals promised to help me pay off my debts and invest the funds, but after sending the money, I received no returns and the scammers disappeared. 
Chase has declined to reimburse me for these fraudulent transactions, claiming that the payments were authorized. However, I was deceived into sending the funds, and I did not authorize the use of my money for the fraudulent purposes for which it was ultimately used. The transaction was made under false pretenses, and I request the CFPBs intervention to ensure that the appropriate consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), are enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Credit Report Information Dear Equifax , I am writing to formally dispute certain information in my credit report, which I obtained from your agency on [ insert date you received the report ]. According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate or incomplete. 

The specific items I am disputing are : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED 2 LACK OF RECENT REVOLVING ACCOUNT INFORMATION PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKN I believe these items are inaccurate for the following reasons : My information was exposed to a data breach all my information was exposed to the public and I dont need my dispute to into a third day dispute under section 605 B ( Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection of this section ) this should be removed in 4 days. 

I have enclosed copies of any relevant documents that support my dispute, including list any documents you are including, such as payment records, account statements, or identification. 

Please conduct a thorough investigation of these disputed items. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 4 days of receiving this letter. 

Once your investigation is complete, please provide me with a full report of your findings, as well as a copy of my updated credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. Should you need to reach me for any reason, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

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 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