vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
We purchase from XXXX often. Often enough we get defective products. To protect ourselves we use a credit card when paying because this gives us access to the credit card companies chargeback policy which is a better protection than XXXX XXXX XXXX XXXX. Unfortunately we recently purchased around XXXX  bags and the vast majority are leaking from a defective seal in the seam of the bag. Out of an hour and a half of testing we found 2 bags that didn't leak and the rest leaked. This is after going through about XXXX  during packaging trying to find some that didn't leak. 

Despite this the seller ( on XXXX, basically wholesale XXXX ) keeps telling Amex that there is a policy that prohibits chargebacks, and no matter how many times XXXX  or myself tells Amex there is no such policy they keep siding with the seller. 

Further they claim there is no proof of that this is defective but I've uploaded over an hour and a half of video opening boxes, filling bags with water, and showing they leak out of the side of the bag. 

They then claim I've refused a feasible solution, but the only solution offered is for the seller to send me about XXXX bags to replace the XXXX bags and the kicker on top of this is these XXXX bags are from the same run where the other XXXX bags leak .... So they will be leaking too... 

It is honestly like my chargeback is getting auto denied over and over again for no good reason. 

I am just trying to get someone to give this an honest review. I am happy to do whatever is needed, record more videos of the bags leaking, test the videos on a live chat, and show as much as I can, but they are just auto denying it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Buyer selects credit card as the method of payment, the Buyer shall be entitled to request for chargeback. In such event, the Seller shall cooperate and bear the burden of proof. In the event where the Seller does not provide any evidence or fails to prove its case, the Seller shall be liable for the relevant losses. Whether the Seller is able to successfully prove its case will usually be based on the relevant credit card issuers determination. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX  disbursed funds to the following loan servicers on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX/Sofi All loans at XXXX XXXX anXXXX XXXX show paid from this disbursement. However XXXX has yet to report to Sofi the {$330.00} payment I made on XX/XX/XXXX or the disbursement of {$38000.00}. XXXX turned over all servicing of the loan to SoFi on XX/XX/XXXX which we were not informed until XX/XX/XXXX this was happening. Regardless the payoff was there three days before the change over. 

Ive provided SoFi the confirmation number on the payment XXXX received from my personal funds on XX/XX/XXXX. SoFi has been calling saying Im late on my payments when Im actually not but my biggest concern is the disbursement from XXXX has not been applied to either XXXX or SoFi. Ive requested to speak to supervisors at SoFi and they were to mark the account that payments has been made and is not late however the calls continue. XXXX financial had address and account number of my loan ( copy of latest bill was given at time of applying in XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
Reporting companies have used my information incorrectly. Allowing my personal information to be compromised with creditors and identity theft. Please remove all collection accounts from profile and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
The credit reporting is incorrect and no one has provided me any proof of it being correct. There is numerous different reporting showing up on my reporting varying. This should be deleted IMMEDIATELY. and I will continue to dispute this information and pursue damages for not being taken serious. I have no other bad reporting accounts for credit cards so why would I start a trend with this company? they have done false reporting. 

ive made onetime payments of XXXX for the last 60 plus days so how it is reporting pass due with a minimum of XXXX? the account closed date is incorrect! and many other factors. See the attached last 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 2025-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the reinsertion of two accounts on my credit report : XXXX XXXXXXXX ( Account # : XXXX ) and XXXX XXXX ( Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and Experian could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: DC

Complaint narrative:
TransUnion denied my right to submit online dispute. They blocked me from an access to file dispute online. Someone opened credit card accounts in my name with XXXX XXXX. These are fraudulent accounts. I filed an Identity Theft Report with FTC. I called XXXX XXXX customer service and reported it. XXXX XXXX closed the credit cards. However, it still shows on my credit report. I tried to submit online dispute on TransUnion website but I keep getting a message that online dispute is not available. When I called TransUnion customer service, they said TransUnion blocked me from online dispute. They refused to explain the reason for blocking me. TransUnion refused to fix the issue.

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 2025-02-25 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: GA

Complaint narrative:
R

e : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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 2025-02-25 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document need and the letter from and advocacy group helpingme due to XXXX XXXX  debt bondage, which falls under XXXX XXXX according to XXXX XXXX Final Rule 1002.142b ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). Ikindly request you block this information from my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act, Iam a victim of XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information XXXX : XXXX XXXX bal. {$1100.00}, XXXX XXXX. {$4200.00}, XXXXXXXX XXXX bal. {$190.00}, XXXX XXXX XXXX .... bal. {$0.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-02-25 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document need and the letter from and advocacy group helpingme due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX according to XXXX XXXXXXXX XXXX XXXX  1002.142b ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). Ikindly request you block this information from my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act, Iam a XXXX XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Equifax : XXXX XXXX bal. {$1100.00}, XXXX XXXX. {$4200.0XXXX XXXX XXXX  bal. {$190.00}, XXXX XXXX XXXX .... bal. {$0.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
I received a {$300.00} Vanilla Gift Card from a company as a payout. I tried to use the gift card for an online purchase on XX/XX/year>. The transaction was immediately rejected from the online vendor, and the transaction did not go through. On the online vendor, it says the charged amount is refunded. On Vanilla Gift Card 's check balance tool, it says the original transaction is pending since XX/XX/year>, and the current balance is {$0.00}. 

I tried to call their customer support to get a sense of the refund timeline, and when the original transaction will be taken off of the transaction list since the transaction isn't through. I was put on hold without given any information, then hang up on. 

I have not being able to reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: OH

Complaint narrative:
I noticed that when I pulled my credit report that their were fraudulent accounts on there

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Complaint Summary : On XX/XX/year>, I deposited a Department of Treasury check into my account at Santander Bank. I was informed that the funds would be available on XX/XX/year>. However, when I attempted to access my account on that date, I found that it was blocked. Upon contacting the bank, I was told that the check was being verified and that it would take longer for the funds to be available. 

I made multiple calls and sent emails on XX/XX/year>, to inquire about the status of my account. I was asked to provide a letter from the Department of Treasury explaining why the check was issued. I sent the attachment that came with the check and an additional letter. I also contacted the Department of Education and the Department of Treasury to verify the check. 

Despite my efforts, I received multiple conflicting responses from Santander Bank. I was told that the Department of Treasury needed to request the funds back, but when the bank spoke to the Department of Treasury, they stated that the funds were being returned. On XX/XX/year>, I was informed that it could take up to a year for the bank to issue the funds back, as they had to wait for the Department of Treasury to request the funds. 

I have requested my check back, the release of my funds by visiting a branch, or a tracking number, but I have been met with disconnected calls or unhelpful responses. This situation has caused significant hardship for me and my children, and I urgently need my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NV

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 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 2025-02-25 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: NV

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 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 2025-02-25 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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