vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Also known as 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  Personal Statements FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. 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 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 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 XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX balance transfers on same card. XXXX XXXX interest with XXXX off date of XX/XX/XXXX, XXXX with 1.99 % pay off XX/XX/XXXX. I called in XXXX and got total balance of XXXX interest. Requested full pay off on phone. Sent payment to pay off and to pay on second transfer balance on XX/XX/XXXX, XXXX The payment posted most to the 1.99 % card and then jumped balance to a 20.74 % interest on the balance that should have been XXXX. I have spent the last 6 months talking to managers to correct.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I noticed an unexpected automatic charge on my account. I immediately contacted Bank of America for clarification and was informed that I had a charge-off account. I was then transferred to the relevant department, where I was told that, as an authorized user on my mother 's account, I was responsible for the chargeeven though my mother was not an authorized user on my account. 

When the account was opened, I was coaxed into signing an agreement that clearly stated I would merely be an authorized user with no financial responsibilities attached. This makes the current situation even more perplexing. 

I asked when I had last been contacted or sent any correspondence regarding this matter. The customer service representative bluntly replied that no letters or notifications would be sent. She then asked if I wanted to set up a payment plan. I explicitly stated that I did not want to set up a payment plan and that I planned to close my account. In response, she threatened that I would be reported to the credit bureaus if I didnt agree to a payment plan. 

Last 4 of the Account XXXX where the payment went. 
Accounts I am being associated were I was just supposed to be authorized user 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 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I ve called them 6 times over past 2 monthswith different answers but no resolution. I bought flood insurance for 12 months and submitted proof. They said it is acceptable but will not stop escrowing my flood insurance. PHH mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
When a medical expense was more than expected, I secured a Carecredit loan through the medical office of my physician. This was not the first time that I had used their services for medical expenses. This time however, when the loan reached its one year mark, all of the interest that would have been owed on the account was put onto my balance. Resulting in {$2000.00} being added to my bill. I currently have an interest rate of 39.99 %.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The cardholder is disputing a {$600.00} charge from XXXX XXXX, posted on XX/XX/XXXX, for a XXXX recurring subscription renewal that was paid for to cover XX/XX/XXXX XX/XX/XXXX. 

The dispute is based on two key issues : 1. Failure to Notify of Recurring Charge in Advance.

No such notification was received via email, text, or any other agreed upon method before the charge appeared on the Capital One app.

XXXX  core rules require 7-day advance notice before a subscription renewal, especially when the price changes after a promotional period. This service had an ending 50 % off promotional period. 

XXXX  law also requires subscriptions with renewal periods over 6 months to send notification via a clear and conspicuous method within 60 days of renewal. 

The payment processor ( XXXX ) confirmed that they did not send a renewal notice, further supporting the cardholders claim. XXXX XXXX utilizes XXXX to send their subscription renewal notices. 

Merchant claims a general bulletin notice was posted in their private XXXX. This is not an agreed upon method or communication and is also not a direct form of communication. 

Failure to notify takes precedent over the merchants no refund policy and Terms of Service.

2. Service Not Delivered as Paid Despite paying for 365 days, the membership was terminated after only 2 days ( on XX/XX/XXXX ). 

The merchant ( XXXX XXXX ) refused a refund and later refused to reinstate the paid service. 


Dispute History : The cardholder first contacted the merchant for a refund but was denied due to a " no refund policy. '' A dispute was opened with Capital One, which initially ruled in favor of the merchant based on their no-refund policy. 

After the dispute ruling, the cardholder requested service reinstatement, but the merchant refused to communicate further. 

Capital One repeatedly denied attempts to dispute this charge based on the lack of notification as a dispute reason. 

Capital One must adhere to the rules outlined by XXXX and the state of my residence ( XXXX  ). 

Capital One denied the dispute based on 60 days passing after the original dispute. New evidence that the merchant would not re-instate the service came to light on XX/XX/XXXX. 

Cardholder has 60 days to dispute this charge from the last day service was to be received. This XXXX service was not scheduled to end until XX/XX/XXXX. The timeframe does not expire until 60 days after this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, This letter serves as my fifth and final attempt to resolve my disputes regarding inaccurate and unverifiable accounts on my Equifax credit report. Despite my repeated requests, Equifax has failed to provide a proper investigation or sufficient documentation to verify the accuracy of the following disputed accounts : XXXX  XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ) 1681i, Equifax is required to investigate consumer disputes within 30 days and provide clear documentation verifying the accuracy of the reported information. To date, you have failed to comply with this requirement by either refusing to remove unverifiable accounts or failing to provide supporting documentation proving the legitimacy of these debts. 

Furthermore, I am fully aware of Equifaxs prior legal history involving CFPB lawsuits for failing to properly investigate consumer disputes and for providing inaccurate credit information. This ongoing failure to comply with the FCRA is unacceptable, and I will not tolerate further delays. 

If I do not receive a formal response with verifiable proof within 10 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs noncompliance.

Report Equifaxs FCRA violations to my states Attorney General for enforcement action.

Consult legal counsel regarding potential damages related to Equifaxs failure to investigate and correct inaccurate credit reporting.

This is Equifaxs last opportunity to resolve this dispute. I expect a complete and verifiable response, including any supporting documentation used to verify these accounts. If Equifax can not provide sufficient proof, I demand the immediate deletion of all unverifiable accounts from my credit report. 

Failure to act will result in legal and regulatory consequences. I look forward to your prompt resolution of this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This credit bureau has refused to update my request to update an account reporting incorrectly on my credit report. I have disputed this account several times and even provided a payment history print out on this account. This account has never been late and needs to be updated to reflect such. Please update this account to reflect its true reporting status to paid, never late.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
A company called Shepherd Outsourcing is claiming I owe money and texts me repeatedly about it. They may be calling as well, but I have unknown numbers silenced. My credit report shows no debts in collections and my only debt is a low balance on my credit card that I pay off monthly. Here is the text ( I changed a letter in the link in case its a phishing attempt so that people dont click it ) : If your XXXX XXXX XXXX XXXX account is returned to our client we may not be able to renew these offers. Save up to {$710.00} in up to XXXX  payments when you visit XXXX XXXX XXXX  or call XXXX. This text is from Shepherd Outsourcing, a debt collector The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX will not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. All transactions have disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Reached ou to company multiple times requesting proof and debt and sent over police report of identity theft requesting removal from credit. Put in dispute with credit companies multiple times and it still remain on credit report been requesting removal since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-24 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
First of all, this is not the same complaint that I submitted on XX/XX/XXXX ( XXXX ) or XXXX/XXXX ( XXXX ) or your cases # XXXX submitted in XXXX XXXX. 
And there was another one submitted in XXXX, XXXX case number XXXX You replied on XX/XX/XXXX & XX/XX/XXXX saying the case will be closed because you said these are the same complaints I had This is not the same case. 
PLEASE DO NOT BE CARELESS! 
This is a recurring issues I have every year with an annual bonus miles If you spent more than {$15000.00} within a year, you get XXXX additional bonus smile. If you spent more than {$35000.00} you receive XXXX bonus miles However, on XXXX statement, I only received XXXX miles. I spent more than {$150000.00} within a year so I was shorted XXXX miles. 
Its no use calling the customer service. They have no idea what theyre doing.

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 2025-02-24 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$2000.00} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX, Balance : {$74.00} Collection Inquiries in dispute : XXXXXXXX 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