vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to dispute its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigaton of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures allogb with my experience, where Experian has neither corrected nor removed, disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amended the disputed accounts, as XXXX XXXX inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing complaint has been filed to request pursuant to FCRA XXXX 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Try to get information on inaccuracy of account on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
FIRST! THIS SYSTEM IS NOT ALLOWING ME TO UPDATE MY NAME -- IT IS XXXX XXXX! 

XXXX XXXX AND SOME CRIMINAL COMPANY BY THE NAME OF " AFFIRM '' CONTINUE TO HARASS ME TO PAY A DEBT AMOUNT THAT IS INCORRECT! BUT SINCE XXXX AND THIS COMPANY DO NOT ALLOW YOU TO SPEAK TO PEOPLE IN THE UNITED STATES WHO UNDERSTAND XXXX PROPERLY THIS IS NOW A NIGHTMARE. IN SHORT, I BOUGHT XXXX ( XXXX ) ITEMS LAST XXXX FROM XXXX XXXX I OPTED TO USE A PAYMENT SERVICE CALLED AFFIRM. THE TOTAL PURCHASE WAS {$360.00} FOR THESE XXXX ITEMS. 
- ON TOTALED {$270.00} + TAX ( TREE ) - THE OTHER TOTALED {$59.00} + TAX ( WREATH ) PLEASE NOTE THE WREATH WAS RETURNED AND XXXX ISSUED A CREDIT. HOWEVER, THESE JERKS AT AFFIRM ARE TRYING TO EXTORT OVER {$600.00}!!!! FROM ME CLAIMING THAT XXXX TOLD THEM THAT IS WHAT I OWE. 
THIS IS AN OUTRAGE AND BOTH XXXX AND AFFIRM SHOULD BE INVESTIGATED. 
I HAVE PROVIDED THE EVIDENCE OF THE TRANSACTION ONLY TO BE IGNORED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/year>, I received a new card for my Discover account in the mail, in which it was communicated my credit line was {$8000.00} ( I have email confirmation of the delivery ). After an expensive holiday season between my girlfriend and my families, I was nearing {$6000.00} used and started XXXX deciding to slow down spending in order to retain ~ {$2000.00} in case of emergency. 

On XX/XX/year>, I ended up needing to visit an emergency dentist for a broken molar. Due to the emergency nature of the visit, I was responsible for costs up front with the ability to submit a claim with my dental insurance for reimbursement afterwards. Upon costing out the procedures, I discovered that my credit line with Discover had been decreased to {$6500.00}, significantly reducing what I thought I had on hand for emergency. 

Due to this change in my financial situation came a change in my treatment. We were able to extract the tooth, but I was unable to afford an implant at that time. I instead had the gums sewn up where the tooth was. I will have to wait on my insurance claim in order to proceed with the implant. 

There is a high risk of XXXX that comes with this hole where my tooth should be. That can prolong my timeline to being able to get an implant. Should I wait too long, my mouth will heal in a way that will prevent me from being able to get an implant. In essence, this credit line reduction has put me in jeopardy of living with XXXX teeth. 

When I bridged this discussion with Discover, they told me that they had made and communicated the decision on XX/XX/year>. I received no mail or email communication of this. I only found notice with the help of my third representative in a XX/XX/year> phone call. 

I understand that my creditor reserves the right to adjust my credit line as they see fit, and that is not where my complaint lies. XXXX XXXX  ineffective communication of my credit line decrease, followed by a contradicting communication that my credit line was {$8000.00} led to a significant misconception of my financial situation. This impacted my dental treatments, landing me in a worse situation than I had anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-20 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the XXXX XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-20 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX and TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigations. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputed information in a consumer 's credit file. This law gives consumers the power to challenge inaccurate information on their credit reports. XXXX, XXXX, and XXXX XXXX actions may also contravene the Consumer Financial Protection Act. As highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigations. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputed information in a consumer 's credit file. This law gives consumers the power to challenge inaccurate information on their credit reports. XXXX, Experian, and XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act. As highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased 2 car parts in XXXX XXXX totaling {$460.00} for a XXXX XXXX XXXX XXXX from XXXX. The parts were guaranteed to fit. One of the parts ( radiator support frame ) was a clearance item and the bolt and hood latch holes did not match up. 

I returned the part to XXXX, but they discounted the shipping and only offered me {$100.00} refund. In XXXX I filed a dispute with XXXX since was purchase protected and the product was either defective or they sent me the wrong part. 

XXXX removed the XXXX so that with the XXXX and XXXX, the product would give a full refund of that product of {$280.00}. In my dispute I outlined why I was disputing ( guaranteed fit ) and the costs. XXXX provided the sales receipt, offering the XXXX refund ( but never issuing the refund to me ) stating that shipping is only refunded due to shipping errors or defective parts, which was exactly why I disputed in the first place. XXXX denied my dispute on XX/XX/XXXX. 

On XX/XX/XXXX I contacted them again, providing the tracking number of my return, email to XXXX stating the product was defective, email fromXX/XX/XXXX that my refund was denied due to credit dispute and the title showing I ordered based on the vehicle I owned. 

As of XX/XX/XXXX I have not received any monies owed ( {$280.00} ) or statement credit. XXXX is not fully reviewing the claim.

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 2025-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I sold the vehicle leased through JP Morgan Chase on XX/XX/XXXX. 
A transfer of {$340.00} was made from my account on XX/XX/XXXX for an automatic lease payment. I disputed the charge through my bank, XXXX, on XX/XX/XXXX because I had already sold the car in question and believed I was no longer responsible for lease payments. My bank contacted Chase on my behalf to dispute the transfer as an invalid charge. Chase did not dispute the charge, returned the funds, and the dispute was resolved in my favor. I also requested a stop payment for any future payments. 
When I followed up on several occasions, Chase representatives explained that my regular lease payment was charged on XX/XX/XXXX, because the paperwork for the sale was not processed yet, and informed me that the transfer at issue was listed as a stop payment in the Chase system, which led them to charge me for the unpaid balance of my account. This is directly refuted in my attached documents which clearly shows that the transfer was disputed and resolved, and that the stop payment was specifically made for all future payments. 
On XX/XX/XXXX, I wrote to inform Chase of a computational or bookkeeping error made by their institution, relating to an electronic funds transfer, under 12 CFR 1005.11 ( a ) ( 1 ) ( iv ) and provided the attached information, asking that Chase remove the balance due on my account, and close my account with their institution. 
On XX/XX/XXXX, Chase representative informed me that they had reviewed my information and upheld the charge as valid, despite earlier conceding the invalid charge with my bank. The representative also admitted during the call that they chose not to dispute the charge trough XXXX when the dispute was initially made, because it was " easier to come after me for the money than my bank ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX GA XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 this violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: IL

Complaint narrative:
My information was exposed in a data breach. Inaccurate addresses and along with my name

Company response to consumer: Closed with explanation