vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: KY

Complaint narrative:
XXXX XXXX their disclaimer says they will reimburse funds if reported within XXXX  days I reported it in less than XXXX it says we cant loose more than {$50.00} to fraud the person who stole my card is in jail and police report been made bye the XXXX police dept the person that stole my XXXX XXXX card worked at the local XXXX gas station and bought all kinds of gift cards and cigarettes from the store he was working but XXXX XXXX is failing to reimburse me knowing that it was fraud XXXX is the claim we filed with XXXX XXXX I have recordings of XXXX XXXX hanging up when I tell them we are recording the conversation they try to change the date of each complaint! They are trying to not offer services for some reason

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: 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

I looked at my TransUnion Equifax Experian credit report on XXXX  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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 furnisher 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 suppose to 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear LVNC FUNDING LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX

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: Block, Inc.
State: IN

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 proce 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 2025-02-24 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: TX

Complaint narrative:
I've requested for my paid student loan to be updated as paid and closed but the credit agency never changes the status of the loans and claim that it's the creditor that's reporting loan status as open. Never gets resolved

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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: TX

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

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 status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have multiplied businesses reporting wrong and inaccurate information to my credit profile. XXXX has failed to investigate and update any inaccurate information and correct it. XXXX bank is reporting a paid in full account closed/paid in full with a balance of {$XXXX} which is inaccurate and false. I have XXXX businesses reporting falsely collections with no proof of business and or service from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: FL

Complaint narrative:
The company obtained my banking statements for the purpose of loan approval. They denied the loan because they said I did not have three times the loan amount cash in my bank account, at no point prior to receiving my bank statements did the company list this as a requirement for the loan. The company obtained my banking statements in a deceptive manner for a different purpose than what I was told.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Agency Name XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX FUNDING Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection XXXX Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX ASSOC Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : SST Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> Was the date the deposit was made from that point on they used a portion of it to pay on 2 of my cards instead of all 3 and I withdrew money to pay some of my employees and then the account was frozen and they wouldn't tell anything after that. I asked why they were using my money for my accounts but didn't allow me to? They said my account had a security issue so they helped me change my passwords and now since then they have not allow me to get in my account. I have been still getting email statements about my account which is how I found out my account was emptied out by the bank where did my money go and why hasn't anyone cut me a check for my balance if you were going to close my account??? Its somee illegal fishy stuff happening at this bank but they are still asking my to pay {$80.00} dollars for my last card I asked why didn't they just take the money for that card as well? since they did that before? This is unacceptable can you help me? My Contact information is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX For XXXX XXXX XXXX or XXXX XXXX XXXX XXXX TX XXXX either address will work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified multiple accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX, XXXX. 
Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$950.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report.

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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 — Old information reappears or never goes away
Company: Regional Management Corporation
State: SC

Complaint narrative:
Ive never resided at the address listed on the application nor have I ever been employed at the said place. I have no acknowledgement of this debt and would like for it to be removed. Its also at the statue of limitation timeframe of XXXX XXXX. This company has ruined my credit for the past XXXX XXXX of debt that was never mine. Please remove this inaccurate and old debt from my file. Otherwise I will be forced to seek legal action.

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: 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: VA

Complaint narrative:
Hey I sent a CFPB complaint in last month XX/XX/year> regarding an incorrect late payment on my capital one credit card account. It was removed from experian and XXXX but it still remains on my equifax. This is inaccurate reporting.

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 — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
We had a lease with Honda Financial Services ( HFS ). Our car was stolen on XX/XX/year>. We notified HFS that it was stolen as did our insurance company ( XXXX ) and they acknowledged that they were notified by both entities. HFS representative told us we did not need to make lease payments as they were in discussions with XXXX for them to pay for the car. They also told us that the information of " XXXX XXXX '' would not go to the credit reporting agencies as it was noted on our account because the car was stolen. We made several calls to HFS because the information was sent to the credit reporting agencies, even though they told us... promised us ... that it would not be sent as the car was stolen and they were in negotiations for our insurance to payoff the car. As a result of this being placed incorrectly on our credit reports, we have had our limits lowered on many of our other revolving credit accounts for no actual reason. We have a perfect track record of payments on ALL of our other accounts accept for this blemish not cause by XXXX or any of our actions. HFS has been less than empathetic and has not done anything in any timely manner to fix the XXXX for which they have causes us. We want our credit rating back! We did not cause this and should not be going through what we are going through due to fraudulent information placed carelessly on our credit report. We need help, but there is nowhere to turn.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was an authorized user my my fathers account and I paid him directly for the amounts I used. He took my payments and defaulted on the loan, now the delinquency is being reported on my credit bureau file as delinquency and charge off. XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the $ XXXX dollar range

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: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
these are all hard inquiries without my consent : I want the hard inquiry from XX/XX/XXXX ( Bank ) XX/XX/2024 taken off my credit report I want the hard inquiry from XXXX ( Finance ) XXXX XXXX taken off my credit report I want the hard inquiry from XXXX XXXX XXXX XXXX taken off my credit report i want the hard inquiry from XXXX XXXX XX/XX/2024 taken off my credit report I did not authorize these

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