vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts 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 XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-02-26 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal XXXX XXXX ID XXXX I bought the XXXX through XXXX and paid to the seller through PayPal, but the seller sent me the damaged and irreparable Gundam. The seller promised that the XXXX was intact before, but he lied to me. When I asked the seller whether I could refund the XXXX, the seller also promised me, but later the seller lied to me. So I proposed to PayPal to review this case. After I sent all the chat records with the seller and photos of the damaged XXXX, PayPal actually refused to agree to my refund, on the grounds that I thought XXXX was damaged by me. However, I had all the chat records with the seller and sent them to them, and the seller admitted that the XXXX sold was damaged. PayPal did not seriously review the case and could not guarantee the rights of buyers.PayPal did not agree to my refund, and has closed my case, the amount is very small, but I will never compromise! 
Thank you for your help. Have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Had disputed XXXX charges, and previously put a block to it and still was charged. So me filing a dispute again for XXXX led to my account being compromised i only have XXXX bank so my funds being in there will make me a XXXX  veteran and XXXX  with no XXXX  from 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I don't have a CashApp account and have never had a CashApp account or any account with Block , Inc and its subsidiaries. Someone used my SSN to create an account with CashApp and used it for nearly {$10000.00} worth of transactions in XX/XX/2024. CashApp filed a 1099k with my SSN and is refusing to correct it. According to them, because I don't know the information for the account that was fraudulently created using my SSN ( like the email ), they have no way to look up the 1099k and correct it. They are refusing to speak with me more about it and will only speak with the police. I filed a local police report but the police have said there is little they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I did a refinance with independent mortgage to pay off my debt with Avant. XXXX XXXX company sent me a check with Avant on it. I mailed and had it registered. Avant is not acknowledging the check and want to charge me extra. They are already charging XXXX %. So I have {$16000.00} somewhere and can't get my bill paid. Please make them acknowledge they already have the money and quit asking me for more money. 

Checks and money orders need to be made payable to Avant and mailed To : Avant , LLC XXXX XXXX XXXX XXXX XXXX XXXX Please include the following information in the memo field of the check : Account Name : XXXX XXXX XXXX XXXX ID Number : XXXX Your Loan ID Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-02-26 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: CA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
XX/XX/year> XXXX am I received a message from Sezzle about my payment has failed. I have been addressed a fail payment fee. Because the payment failed before XXXX. 
Why are you charging people a failed payment fee the same day your system runs the card. 

Shouldnt you have the day to pay the balance before the a failed payment fee be applied? 

I dont get paid until the afternoon. The company is setting up people to fail and charging unnecessary charges. I can see if it was over XXXX hours but its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: VA

Complaint narrative:
Carmax Auto Finance Repossessed my car illegally. They did not have ownership at the time of repossession nor do they have ownership as of today to legally collect on this alleged debt. They took actions against me in bad faith, which has rendered me homeless, and jobless since the end of XX/XX/year>. I have contacted them several times to rectify the matter most recent being this month and theyve reported back to each agency as its verified and thats FALSE. They have not cooperated in a good manner, they have been misleading and deceptive since the start. The contract they sent does not show as evidence/proof of them actually having ownership of the debt giving them a legal right to collect on the debt. They are destroying my creditworthiness and causing me emotional distress from CAF harmful and willful negligence. CarMax Auto Finance ( herein CAF ) is a debt collector as defined in FDCPA and has violated the FDCPA.

1. False and Deceptive Practices ( 15 U.S.C. 1692e ) : Notice, CAF falsely represented legal authority to repossess my vehicle, misleading me into believing the repossession was authorized by law or a judicial process.

2. Unfair Practices ( 15 U.S.C. 1692f ) : Notice, Repossession was performed without an enforceable security interest according to the guidelines of the Ucc, which is a direct violation because they are not first priority loan holder. A debt collector may not take or threaten to take property without a present and enforceable right to do so. Which they have no proof of an agreement I signed with them nor a chain of title/assignment showing they were assigned ownership of the debt at time of repo as theyve sent the agreement twice w/out there name anywhere on the contract or assignment. 
FCRA Violations ( 15 U.S.C. 1681 ) 1. Violation of My Right to Privacy ( 15 U.S.C. 1681b ) : Notice, CAF accessed and reported my credit information without my written authorization or a valid purpose. 
2. Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : Notice, I dispute the derogatory reporting of this account several times. CAF and CRAs failure to investigate and correct inaccurate information violates my rights under the FCRA.

3. False Credit Reporting ( 15 U.S.C. 1681s-2 ) : As a furnisher of credit information, you are obligated to ensure the accuracy of the data reported. Reporting this repossession and debt as valid without substantiating your legal claim is a breach of this responsibility. 
There is also a holder in due course rule from the FTC that they are in direct violation of. If CAF does not delete the trade line from my consumer report I am going to pursue legal action through XXXX arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
my information has been breached by several companies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX medical billing XXXX of the third-party vendors that I have used in the past there is a huge disparity with experience XXXX XXXX XXXX versus the other third-party for profit organizations reporting XXXX. They should be consistent throughout. I should have not had any requires inquiries for the last two years. I should not have any late pays at all as I have never been late on any of my bills and I am not understanding why my credit score is so low and they are not explaining and you call. It refers you to an automated system. You can not speak with anyone XXXX the other third-party for profit organizations reporting XXXX. They should be consistent throughout. I should have not had any requires inquiries for the last two years. I should not have any late pays at all as I have never been late on any of my bills and I am not understanding why my credit score is so low and they are not explaining and you call it refers you to a automated system. You can not speak with anyone. I have done it for an entire month and they are affecting my ability to credit. as well as they have an accurate information on my employment, my name and my gross income, which I do not want provide it to this company because I did not give them authorization.

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 2025-02-26 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: FIRSTBANK
State: AZ

Complaint narrative:
I made XXXX larger XXXX eats orders for a party that were 2 separate charges but were both picked up and stolen by the driver who never dropped the food off. I have argued they never came to our door nor attempted delivery and they have no picture of the food at the door as supposed to. My bank will not refund the charges. 

The charges are on my debit card and the following on XX/XX/year> for {$450.00} and {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
My account with EXTRA was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXTRA never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have several hard inquiries that are not mine. I did one hard inquiry in XXXX. I have not applied for anything in 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 2025-02-26 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: NY

Complaint narrative:
I have several hard inquiries that are not mine. I did one hard inquiry in XXXX. I have not applied for anything in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested for it to be removed because of identity theft and I got no resolution on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-26 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation