vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid the balance of {$120.00} and XXXX XXXX University is refusing to remove it from my account because of the borrowers defense case that I have currently pending for them as I am included in the class action lawsuit. 

XXXX XXXX University Deceptive Practices Investigation :XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delta Management Associates, Inc.
State: NC

Complaint narrative:
I have been mislead in terms of the loan, I was told that I had to take the loan to go To school and I actually did not have to take out any loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I applied for the XXXXXXXX XXXX XXXX with the promise of getting {$100.00} for spending {$1000.00} in the first three billing cycles. I have not received it. I called them and they are saying that when I applied for the card there was no promotion at that time. I would not have applied for this credit card if not for this benefit. I have the wells fargo active cash back credit card. That card offers 2 % cash back on all purchases. I am also a XXXX XXXX pass holder. All other benefits of the XXXX card are useless to me because of the annual pass and the XXXX XXXX card. There are claiming that no such promotion was given at the time, but then I wouldn't have applied for the card. Nor would I have spent the prerequisite XXXX in XXXX billing cycles. That money would have been given at a higher percentage with my other credit cards.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize any fraud alerts on my file. I request their immediate removal.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not authorize any fraud alerts on my file. I request their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
I found out a couple of months ago a cash app was opened in my name and funds were being borrowed that I did not do after contacting cash app they proceed to tell me that it's was created this day and all information matches me however I explained I don't know how but I did create the account and they did nothing about it now I'm being told there is an outstanding borrow balance over XXXX dollars that I did not do I did the lawsuit and I haven't heard anything about it it's ruing my credit and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX and XXXX both approved me a Lowes credit card back in XX/XX/XXXX, so I purchased a very needed hot water heater for around {$650.00}. As of XX/XX/XXXX, they decided to cancel my credit card without any notice just mailing a letter stating due to inactivity and my credit score ( which was the same in XX/XX/XXXX ). They should have never approved me in the first place, now this is ruining my credit even more. I was making payments on the credit card and my credit might isn't perfect but to do this to people who are trying and doing the right thing isn't acceptable. I could see if I wasn't paying on the card but to give a person less than 4 months. Between XXXX, Sychrony and Lowes watch out they have a good scam running for those who have less than perfect credit.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: WA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXXXXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXate of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX EQUIFAX XXXX  Date XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: CO

Complaint narrative:
I had applied on XXXX website to look for a business loan to help move into a bigger unit. A few weeks later I got a call and a text from XXXX letting me know I have an approval for a XXXX credit line. I asked how he got my information and he said the financial market is a close community it couldve been from XXXX or brokers. After a few discussions I did everything they ask to get the line of credit. They told me my business didnt have any business credit and that I would have to pay {$600.00} a day for 3 weeks in order to receive the line of credit. I signed contracts and paid the {$600.00} a day but once everything was paid XXXX and XXXX had stop answering my phone calls and text message. I started digging into the business name and phone numbers and came across a review of someone else complaining about the same issues I had with them. 

XX/XX/XXXX DO not fall for this company DO not fall for this company. they opened to scam business owners. They are working hand in hand with XXXX XXXX ( Astorgrp.com ) All scam artist. They lure you into getting a Business Line of credit, then get you to borrow $ XXXX, you get $ XXXX then pay it off at $ XXXX. Then they say, you are now ready to get a business line of credit. It's how you get scammed. Then All phones get disconnected. XXXX XXXX XXXX, XXXX, XXXX XXXX they are all gone after. XXXX XXXX ( XXXX ) XXXX, wont respond to you. 

XXXX XXXX from this Company XXXX ( XXXX ) XXXX, says he left fo California and was part of that wildfire. Just seriously Scam artists. 

AVOID FALLING FOR THIS. 

I hope you do not Sign up. Anyone hopefully can see my reviews so you can save yourselves. 
Date of experience : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts I have marked as inaccurate, XXXX XXXXXXXX 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
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align 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 corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: KY

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 consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX {$180.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$820.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1700.00}

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX an unauthorized charge of {$230.00} was debited from my Truist Bank checking and a {$36.00} Overdraft fee was in return was accessed to my acct. I immediately called Truist and spoke with a representative who advised that she was unable to enter a dispute for the charge because it was currently pending. However, she did provide me with the merchant 's telephone number to call to inquire about them reversing the charge from my account. She also advised that once the charge was reversed the XXXX overdraft fee would also be reversed. In addition, she advised that if the merchant refused to reverse that charge I could contact Truist back to complete the dispute when the charge was processed and no longer in a pending status.

The good news is that the merchant agreed to reverse the charge and it credited the charge back onto my account on XXXX, but the overdraft fee did not reverse. After waiting several days I called Truist back to advise the charge was reversed but the overdraft fee was still on my account. The agent ( XXXX ) put me on hold and came back to advise that the fee could not be reversed. I then requested a supervisor ( XXXX ), who also told me that the fee could not be reversed. She said that because I did not have Truist do a dispute to reverse the charge they could not remove it. I pushed back and then she put me on hold. When she came back she advised that she opened a claim to have the fee reviewed, but that does not mean that the fee will be removed from my account. She provided me with claim # XXXX I am filing this complaint because I am failing to see why I am responsible for paying a {$36.00} fee that was generated by a charge that has been credited back to my account by the merchant because it was charged in error. I also feel that if this is a practice of Truist, it needs to be investigated.

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 2025-01-24 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: NY

Complaint narrative:
Trans union and XXXX both approved me a XXXX credit card back in XX/XX/XXXX, so I purchased a very needed hot water heater for around {$650.00}. As of XX/XX/XXXX, they decided to cancel my credit card without any notice just mailing a letter stating due to inactivity and my credit score ( which was the same in XX/XX/XXXX ). They should have never approved me in the first place, now this is ruining my credit even more. I was making payments on the credit card and my credit might isn't perfect but to do this to people who are trying and doing the right thing isn't acceptable. I could see if I wasn't paying on the card but to give a person less than 4 months. Between Transunion, XXXX and XXXX watch out they have a good scam running for those who have less than perfect credit.

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